<ARTICLE>                                            9
<LEGEND>
                                                                    EXHIBIT 27.2

                             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, 1998 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-31-1998
<PERIOD-START>                      JAN-1-1998
<PERIOD-END>                       DEC-31-1998
<EXCHANGE-RATE>                              1
<CASH>                                  51,862
<INT-BEARING-DEPOSITS>                   7,783
<FED-FUNDS-SOLD>                         6,540
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            447,278
<INVESTMENTS-CARRYING>                 135,992
<INVESTMENTS-MARKET>                   136,519
<LOANS>                              1,051,506
<ALLOWANCE>                             15,322
<TOTAL-ASSETS>                       1,764,698
<DEPOSITS>                           1,356,947
<SHORT-TERM>                            99,872
<LIABILITIES-OTHER>                     13,696
<LONG-TERM>                            125,611
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                17,817
<OTHER-SE>                             150,755
<TOTAL-LIABILITIES-AND-EQUITY>       1,764,698
<INTEREST-LOAN>                         89,399
<INTEREST-INVEST>                       40,370
<INTEREST-OTHER>                           531
<INTEREST-TOTAL>                       130,300
<INTEREST-DEPOSIT>                      48,058
<INTEREST-EXPENSE>                      60,417
<INTEREST-INCOME-NET>                   69,883
<LOAN-LOSSES>                            5,729
<SECURITIES-GAINS>                       1,056
<EXPENSE-OTHER>                         50,580
<INCOME-PRETAX>                         28,487
<INCOME-PRE-EXTRAORDINARY>              22,873
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            22,873
<EPS-BASIC>                               1.27
<EPS-DILUTED>                             1.25
<YIELD-ACTUAL>                            4.44
<LOANS-NON>                              5,989
<LOANS-PAST>                             1,917
<LOANS-TROUBLED>                         3,155
<LOANS-PROBLEM>                         34,636
<ALLOWANCE-OPEN>                        13,691
<CHARGE-OFFS>                            5,096
<RECOVERIES>                               998
<ALLOWANCE-CLOSE>                       15,322
<ALLOWANCE-DOMESTIC>                    12,952
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  2,370