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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 SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 62,964
<INT-BEARING-DEPOSITS> 1,896
<FED-FUNDS-SOLD> 11,465
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 590,895
<INVESTMENTS-CARRYING> 107,320
<INVESTMENTS-MARKET> 104,742
<LOANS> 1,667,633
<ALLOWANCE> 22,682
<TOTAL-ASSETS> 2,559,064
<DEPOSITS> 1,936,483
<SHORT-TERM> 154,162
<LIABILITIES-OTHER> 25,018
<LONG-TERM> 236,418
0
0
<COMMON> 242
<OTHER-SE> 206,741
<TOTAL-LIABILITIES-AND-EQUITY> 2,559,064
<INTEREST-LOAN> 103,059
<INTEREST-INVEST> 35,663
<INTEREST-OTHER> 1,864
<INTEREST-TOTAL> 140,586
<INTEREST-DEPOSIT> 52,830
<INTEREST-EXPENSE> 69,734
<INTEREST-INCOME-NET> 70,852
<LOAN-LOSSES> 5,418
<SECURITIES-GAINS> 143
<EXPENSE-OTHER> 57,540
<INCOME-PRETAX> 22,755
<INCOME-PRE-EXTRAORDINARY> 14,504
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 14,504
<EPS-BASIC> .62
<EPS-DILUTED> .62
<YIELD-ACTUAL> 4.17
<LOANS-NON> 9,257
<LOANS-PAST> 2,224
<LOANS-TROUBLED> 747
<LOANS-PROBLEM> 27,808
<ALLOWANCE-OPEN> 19,711
<CHARGE-OFFS> 3,365
<RECOVERIES> 918
<ALLOWANCE-CLOSE> 22,682
<ALLOWANCE-DOMESTIC> 22,682
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,811
</TABLE>
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