<ARTICLE>                                            9
<LEGEND>
                                                                    EXHIBIT 27.1

                             Financial Data Schedule

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 8-K DATED MARCH 31, 2000 EXHIBIT  99.1 FOR THE PERIOD ENDED  DECEMBER
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<CIK>                         0000790359
<NAME>                        NBT BANCORP INC.
<MULTIPLIER>                  1,000
<CURRENCY>                    U.S. DOLLARS

                               
<PERIOD-TYPE>                           12-MOS
<FISCAL-YEAR-END>                  DEC-31-1999
<PERIOD-START>                      JAN-1-1999
<PERIOD-END>                       DEC-31-1999
<EXCHANGE-RATE>                              1
<CASH>                                  59,414
<INT-BEARING-DEPOSITS>                   5,017
<FED-FUNDS-SOLD>                             0
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            520,440
<INVESTMENTS-CARRYING>                  78,213
<INVESTMENTS-MARKET>                    75,155
<LOANS>                              1,222,654
<ALLOWANCE>                             16,654
<TOTAL-ASSETS>                       1,961,432
<DEPOSITS>                           1,477,618
<SHORT-TERM>                           137,567
<LIABILITIES-OTHER>                     13,798
<LONG-TERM>                            172,575
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                18,489
<OTHER-SE>                             141,385
<TOTAL-LIABILITIES-AND-EQUITY>       1,961,432
<INTEREST-LOAN>                         96,235
<INTEREST-INVEST>                       38,166
<INTEREST-OTHER>                           988
<INTEREST-TOTAL>                       135,389
<INTEREST-DEPOSIT>                      46,067
<INTEREST-EXPENSE>                      60,582
<INTEREST-INCOME-NET>                   74,807
<LOAN-LOSSES>                            5,070
<SECURITIES-GAINS>                       1,716
<EXPENSE-OTHER>                         51,500
<INCOME-PRETAX>                         34,658
<INCOME-PRE-EXTRAORDINARY>              22,175
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            22,175
<EPS-BASIC>                               1.24
<EPS-DILUTED>                             1.23
<YIELD-ACTUAL>                            4.44
<LOANS-NON>                              6,152
<LOANS-PAST>                               950
<LOANS-TROUBLED>                         1,481
<LOANS-PROBLEM>                         36,517
<ALLOWANCE-OPEN>                        15,322
<CHARGE-OFFS>                            4,760
<RECOVERIES>                             1,022
<ALLOWANCE-CLOSE>                       16,654
<ALLOWANCE-DOMESTIC>                    14,092
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  2,562