<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 8-K DATED JULY 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>                                  74,612
<INT-BEARING-DEPOSITS>                   5,017
<FED-FUNDS-SOLD>                             0
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            606,727
<INVESTMENTS-CARRYING>                 113,318
<INVESTMENTS-MARKET>                   109,147
<LOANS>                              1,466,867
<ALLOWANCE>                             19,711
<TOTAL-ASSETS>                       2,380,207
<DEPOSITS>                           1,777,091
<SHORT-TERM>                           142,267
<LIABILITIES-OTHER>                     17,407
<LONG-TERM>                            251,970
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                23,915
<OTHER-SE>                             167,557
<TOTAL-LIABILITIES-AND-EQUITY>       2,380,207
<INTEREST-LOAN>                        115,896
<INTEREST-INVEST>                       48,175
<INTEREST-OTHER>                           707
<INTEREST-TOTAL>                       164,778
<INTEREST-DEPOSIT>                      56,586
<INTEREST-EXPENSE>                      75,480
<INTEREST-INCOME-NET>                   89,298
<LOAN-LOSSES>                            5,440
<SECURITIES-GAINS>                       1,804
<EXPENSE-OTHER>                         62,882
<INCOME-PRETAX>                         40,228
<INCOME-PRE-EXTRAORDINARY>              26,257
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            26,257
<EPS-BASIC>                               1.14
<EPS-DILUTED>                             1.12
<YIELD-ACTUAL>                            4.32
<LOANS-NON>                              7,596
<LOANS-PAST>                             2,026
<LOANS-TROUBLED>                         2,495
<LOANS-PROBLEM>                         36,517
<ALLOWANCE-OPEN>                        18,231
<CHARGE-OFFS>                            5,024
<RECOVERIES>                             1,064
<ALLOWANCE-CLOSE>                       19,711
<ALLOWANCE-DOMESTIC>                    16,041
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  3,670