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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<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 JUNE 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> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 61,339
<INT-BEARING-DEPOSITS> 7,434
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 489,572
<INVESTMENTS-CARRYING> 70,620
<INVESTMENTS-MARKET> 68,011
<LOANS> 1,373,114
<ALLOWANCE> 18,796
<TOTAL-ASSETS> 2,101,321
<DEPOSITS> 1,595,973
<SHORT-TERM> 160,554
<LIABILITIES-OTHER> 16,140
<LONG-TERM> 160,983
0
0
<COMMON> 190
<OTHER-SE> 167,481
<TOTAL-LIABILITIES-AND-EQUITY> 2,101,321
<INTEREST-LOAN> 56,498
<INTEREST-INVEST> 19,527
<INTEREST-OTHER> 883
<INTEREST-TOTAL> 76,908
<INTEREST-DEPOSIT> 28,447
<INTEREST-EXPENSE> 37,271
<INTEREST-INCOME-NET> 39,637
<LOAN-LOSSES> 3,559
<SECURITIES-GAINS> 7
<EXPENSE-OTHER> 31,897
<INCOME-PRETAX> 11,958
<INCOME-PRE-EXTRAORDINARY> 7,328
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 7,328
<EPS-BASIC> .40
<EPS-DILUTED> .40
<YIELD-ACTUAL> 4.28
<LOANS-NON> 7,104
<LOANS-PAST> 790
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 26,937
<ALLOWANCE-OPEN> 16,654
<CHARGE-OFFS> 1,902
<RECOVERIES> 485
<ALLOWANCE-CLOSE> 18,796
<ALLOWANCE-DOMESTIC> 16,767
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,029
<PAGE>
EXHIBIT 27.2
Financial Data Schedule for the six months ended
June 30, 1999
</TABLE>
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