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): OCTOBER 27, 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
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NOT APPLICABLE
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(FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
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(a) NOT APPLICABLE
(b) NOT APPLICABLE
(c) THE FOLLOWING EXHIBIT IS FURNISHED AS A PART OF THIS REPORT:
EXHIBIT NO. DESCRIPTION
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99 PRESS RELEASE DATED OCTOBER 27 2003.
ITEM 9. REGULATION FD DISCLOSURE.
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INFORMATION BEING PROVIDED UNDER ITEM 12
ON OCTOBER 27, 2003, NBT BANCORP INC. ISSUED A PRESS RELEASE DESCRIBING ITS
RESULTS OF OPERATIONS FOR THE NINE MONTHS AND QUARTER ENDING SEPTEMBER 30, 2003
AS WELL AS ANNOUNCING A DIVIDEND DECLARATION TO BE PAID ON DECEMBER 15, 2003 TO
SHAREHOLDERS OF RECORD ON DECEMBER 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.
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(REGISTRANT)
/S/ MICHAEL J. CHEWENS
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MICHAEL J. CHEWENS
SENIOR EXECUTIVE VICE PRESIDENT,
CHIEF FINANCIAL OFFICER AND CORPORATE
SECRETARY
DATE: OCTOBER 27, 2003
EXHIBIT INDEX
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EXHIBIT NO. DESCRIPTION
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99 PRESS RELEASE DATED OCTOBER 27, 2003.