<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, 1998 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-31-1998
<PERIOD-START> JAN-1-1998
<PERIOD-END> DEC-31-1998
<EXCHANGE-RATE> 1
<CASH> 65,839
<INT-BEARING-DEPOSITS> 7,783
<FED-FUNDS-SOLD> 14,140
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 523,254
<INVESTMENTS-CARRYING> 180,663
<INVESTMENTS-MARKET> 181,741
<LOANS> 1,277,241
<ALLOWANCE> 18,231
<TOTAL-ASSETS> 2,169,855
<DEPOSITS> 1,664,307
<SHORT-TERM> 99,872
<LIABILITIES-OTHER> 17,670
<LONG-TERM> 183,968
0
0
<COMMON> 23,188
<OTHER-SE> 180,850
<TOTAL-LIABILITIES-AND-EQUITY> 2,169,855
<INTEREST-LOAN> 108,492
<INTEREST-INVEST> 49,099
<INTEREST-OTHER> 1,011
<INTEREST-TOTAL> 158,602
<INTEREST-DEPOSIT> 58,898
<INTEREST-EXPENSE> 74,736
<INTEREST-INCOME-NET> 83,866
<LOAN-LOSSES> 6,149
<SECURITIES-GAINS> 1,567
<EXPENSE-OTHER> 61,547
<INCOME-PRETAX> 34,044
<INCOME-PRE-EXTRAORDINARY> 26,895
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 26,895
<EPS-BASIC> 1.16
<EPS-DILUTED> 1.14
<YIELD-ACTUAL> 4.3
<LOANS-NON> 7,673
<LOANS-PAST> 2,755
<LOANS-TROUBLED> 4,402
<LOANS-PROBLEM> 34,636
<ALLOWANCE-OPEN> 16,450
<CHARGE-OFFS> 5,404
<RECOVERIES> 1,036
<ALLOWANCE-CLOSE> 18,231
<ALLOWANCE-DOMESTIC> 14,621
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,610
</TABLE>
