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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-1-1999
<PERIOD-END> JUN-30-1999
<EXCHANGE-RATE> 1
<CASH> 57,473
<INT-BEARING-DEPOSITS> 7,883
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 492,339
<INVESTMENTS-CARRYING> 71,465
<INVESTMENTS-MARKET> 68,957
<LOANS> 1,125,581
<ALLOWANCE> 15,711
<TOTAL-ASSETS> 1,843,664
<DEPOSITS> 1,341,361
<SHORT-TERM> 179,548
<LIABILITIES-OTHER> 10,788
<LONG-TERM> 149,132
0
0
<COMMON> 17,976
<OTHER-SE> 144,859
<TOTAL-LIABILITIES-AND-EQUITY> 1,843,664
<INTEREST-LOAN> 46,085
<INTEREST-INVEST> 17,541
<INTEREST-OTHER> 914
<INTEREST-TOTAL> 64,540
<INTEREST-DEPOSIT> 22,027
<INTEREST-EXPENSE> 28,274
<INTEREST-INCOME-NET> 36,266
<LOAN-LOSSES> 2,350
<SECURITIES-GAINS> 876
<EXPENSE-OTHER> 23,962
<INCOME-PRETAX> 17,930
<INCOME-PRE-EXTRAORDINARY> 11,496
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 11,496
<EPS-BASIC> .64
<EPS-DILUTED> .64
<YIELD-ACTUAL> 4.52
<LOANS-NON> 5,533
<LOANS-PAST> 781
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 31,095
<ALLOWANCE-OPEN> 15,322
<CHARGE-OFFS> 2,400
<RECOVERIES> 439
<ALLOWANCE-CLOSE> 15,711
<ALLOWANCE-DOMESTIC> 14,024
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,687
</TABLE>
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