Exhibit 99.2

Written Statement of the Chief Financial Officer Pursuant to Section 906 of the
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Sarbanes-Oxley Act of 2002
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The undersigned, the Chief Financial Officer of NBT Bancorp Inc. (the
"Company"), hereby certifies that to his knowledge on the date hereof:

     (a)  the Form 10-Q of the Company for the Quarterly Period Ended March 31,
          2003, filed on the date hereof with the Securities and Exchange
          Commission (the "Report") fully complies with the requirements of
          Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

     (b)  information contained in the Report fairly presents, in all material
          respects, the financial condition and results of operations of the
          Company.


                                       /s/ Michael J. Chewens
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                                       Michael J. Chewens
                                       Senior Executive Vice President Chief
                                       Financial Officer and Corporate Secretary
                                       May 13, 2003

A signed original of this written statement required by Section 906 has been
provided to NBT Bancorp Inc. and will be retained by NBT Bancorp Inc. and
furnished to the Securities and Exchange Commission or its staff upon request.


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