<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 EXHIBIT 99.1 FOR THE PERIOD ENDED DECEMBER
31, 1999 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-31-1999
<PERIOD-START> JAN-1-1999
<PERIOD-END> DEC-31-1999
<EXCHANGE-RATE> 1
<CASH> 74,612
<INT-BEARING-DEPOSITS> 5,017
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 606,727
<INVESTMENTS-CARRYING> 113,318
<INVESTMENTS-MARKET> 109,147
<LOANS> 1,466,867
<ALLOWANCE> 19,711
<TOTAL-ASSETS> 2,380,207
<DEPOSITS> 1,777,091
<SHORT-TERM> 142,267
<LIABILITIES-OTHER> 17,407
<LONG-TERM> 251,970
0
0
<COMMON> 23,915
<OTHER-SE> 167,557
<TOTAL-LIABILITIES-AND-EQUITY> 2,380,207
<INTEREST-LOAN> 115,896
<INTEREST-INVEST> 48,175
<INTEREST-OTHER> 707
<INTEREST-TOTAL> 164,778
<INTEREST-DEPOSIT> 56,586
<INTEREST-EXPENSE> 75,480
<INTEREST-INCOME-NET> 89,298
<LOAN-LOSSES> 5,440
<SECURITIES-GAINS> 1,804
<EXPENSE-OTHER> 62,882
<INCOME-PRETAX> 40,228
<INCOME-PRE-EXTRAORDINARY> 26,257
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 26,257
<EPS-BASIC> 1.14
<EPS-DILUTED> 1.12
<YIELD-ACTUAL> 4.32
<LOANS-NON> 7,596
<LOANS-PAST> 2,026
<LOANS-TROUBLED> 2,495
<LOANS-PROBLEM> 36,517
<ALLOWANCE-OPEN> 18,231
<CHARGE-OFFS> 5,024
<RECOVERIES> 1,064
<ALLOWANCE-CLOSE> 19,711
<ALLOWANCE-DOMESTIC> 16,041
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,670
</TABLE>
