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EXHIBIT 23.2
CONSENT OF INDEPENDENT AUDITORS
We hereby consent to the incorporation by reference in this Registration
Statement on Form S-4 of NBT Bancorp, Inc. of our report dated January 21, 2000
relating to the financial statements, which appears in BSB Bancorp, Inc.'s
Annual Report on Form 10-K for the year ended December 31, 1999. We also consent
to the references to us under the heading "Experts" in such Registration
Statement.
/s/ PricewaterhouseCoopers LLP
Syracuse, New York
July 31, 2000
