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EXHIBIT 23.1
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors
NBT Bancorp Inc.:
We consent to incorporation by reference in the registration statement on
Form S-4 related to the registration of shares for the merger between NBT
Bancorp Inc. and BSB Bancorp, Inc., filed by NBT Bancorp Inc. under the
Securities Act of 1933 of our audit report dated January 21, 2000, with respect
to the consolidated balance sheets of NBT Bancorp Inc. and subsidiary as of
December 31, 1999 and 1998, and the related consolidated statements of income,
stockholders' equity, cash flows and comprehensive income for each of the years
in the three-year period ended December 31, 1999 which report appears in the
December 31, 1999 annual report on Form 10-K of NBT Bancorp Inc., incorporated
by reference herein, and to the reference to our firm under the heading
"Experts" in the Prospectus.
We consent to incorporation by reference in the registration statement on
Form S-4 of NBT Bancorp Inc. related to the registration of shares for the
merger between NBT Bancorp Inc. and BSB Bancorp, Inc., filed by NBT Bancorp Inc.
under the Securities Act of 1933 of our audit reports dated March 10, 2000 and
July 28, 2000, with respect to the supplemental consolidated balance sheets of
NBT Bancorp Inc. and subsidiaries as of December 31, 1999 and 1998, and the
related supplemental consolidated statements of income, stockholders' equity,
cash flows and comprehensive income for each of the years in the three-year
period ended December 31, 1999 which reports appear in the Current Reports on
Form 8-K of the NBT Bancorp Inc., dated March 31, 2000, and August 1, 2000,
respectively, filed by NBT Bancorp Inc., incorporated by reference herein.
/s/ KPMG LLP
KPMG LLP
Syracuse, New York
July 31, 2000
