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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 8-K DATED JULY 31, 2000 99.1FOR THE PERIOD ENDED DECEMBER 31, 1997
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<CIK> 0000790359
<NAME> NBT BANCORP INC.
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-START> JAN-1-1997
<PERIOD-END> DEC-31-1997
<EXCHANGE-RATE> 1
<CASH> 0
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 0
<ALLOWANCE> 0
<TOTAL-ASSETS> 0
<DEPOSITS> 0
<SHORT-TERM> 0
<LIABILITIES-OTHER> 0
<LONG-TERM> 0
0
0
<COMMON> 0
<OTHER-SE> 0
<TOTAL-LIABILITIES-AND-EQUITY> 0
<INTEREST-LOAN> 99,789
<INTEREST-INVEST> 46,622
<INTEREST-OTHER> 927
<INTEREST-TOTAL> 147,338
<INTEREST-DEPOSIT> 56,966
<INTEREST-EXPENSE> 68,892
<INTEREST-INCOME-NET> 78,446
<LOAN-LOSSES> 4,820
<SECURITIES-GAINS> 34
<EXPENSE-OTHER> 54,460
<INCOME-PRETAX> 33,094
<INCOME-PRE-EXTRAORDINARY> 22,188
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 22,188
<EPS-BASIC> 1.00
<EPS-DILUTED> .98
<YIELD-ACTUAL> 4.44
<LOANS-NON> 8,386
<LOANS-PAST> 4,224
<LOANS-TROUBLED> 2,877
<LOANS-PROBLEM> 32,980
<ALLOWANCE-OPEN> 15,053
<CHARGE-OFFS> 4,470
<RECOVERIES> 1,047
<ALLOWANCE-CLOSE> 10,721
<ALLOWANCE-DOMESTIC> 16,450
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 5,729
</TABLE>
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