EXHIBIT 32.1

Written  Statement of the Chief Executive Officer Pursuant to Section 906 of the
                                                                      ----------
Sarbanes-Oxley  Act  of  2002
- -----------------------------

The  undersigned,  the  Chief  Executive  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 June 30,
          2004,  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/  Daryl  R.  Forsythe
                                          ------------------------
                                          Daryl  R.  Forsythe
                                          Chairman and Chief Executive Officer
                                          August 6,  2004


A  signed  original  of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears  in  typed  form within the electronic version 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.