SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                    FORM 8-K
                                 CURRENT REPORT



                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

        Date of Report (Date of earliest event reported): April 28, 2003



                                NBT BANCORP INC.
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             (Exact name of registrant as specified in its charter)



         DELAWARE                      0-14703                   16-1268674
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(State or other jurisdiction         (Commission               (IRS Employer
   of incorporation)                 File Number)            Identification No.)



                 52 SOUTH BROAD STREET, NORWICH, NEW YORK 13815
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                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (607) 337-2265
                                 --------------


                                 NOT APPLICABLE
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)



                   ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

                       ----------------------------------

                               (a) Not Applicable

                               (b) Not Applicable

        (c) The following exhibit is furnished as a part of this report:

                    Exhibit No.                   Description
                    -----------                   -----------

                        99              Press Release dated April 28, 2003.



                       ITEM 9.  REGULATION FD DISCLOSURE.
                                -------------------------

                    Information being provided under Item 12

On April 28, 2003, NBT Bancorp Inc. issued a press release describing its
results of operations for the fiscal quarter ending March 31, 2003 as well as
announcing a stock buyback program and dividend declaration to be paid on June
15, 2003 to shareholders of record on June 1, 2003. That press release is
furnished as Exhibit 99 hereto. This information is being furnished pursuant to
Item 12 of Form 8-K and is being presented under Item 9 as provided in the
Commission's interim guidance regarding Form 8-K Item 11 and Item 12 filing
requirements (Release No. 34-47583).


                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


               NBT BANCORP INC.
               --------------------------------
               (Registrant)



               /s/ Michael J. Chewens
               --------------------------------
               Michael J. Chewens
               Senior Executive Vice President,
               Chief Financial Officer and Corporate Secretary




Date: April 28, 2003


EXHIBIT INDEX
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Exhibit No.          Description
- -----------          -----------

    99               Press Release dated April 28, 2003.