EXHIBIT 23.1
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors
NBT Bancorp Inc.:
We consent to incorporation by reference in the registration statement
on Form S-3 of NBT Bancorp Inc. related to the registration of shares on behalf
of and for Mr. David T. Griffith, filed by NBT Bancorp Inc. under the Securities
Act of 1933 of our audit report dated January 21, 2000, with respect to the
consolidated balance sheets of NBT Bancorp Inc. and subsidiary as of December
31, 1999 and 1998, and the related consolidated statements of income,
stockholders' equity, cash flows and comprehensive income for each of the years
in the three-year period ended December 31, 1999 which report appears in the
December 31, 1999 annual report on Form 10-K of NBT Bancorp Inc., incorporated
by reference herein, and to the reference to our firm under the heading
"Experts" in the registration statement referred to above.
We consent to incorporation by reference in the registration statement
on Form S-3 of NBT Bancorp Inc. related to the registration of shares on behalf
of and for Mr. David T. Griffith, filed by NBT Bancorp Inc. under the Securities
Act of 1933 of our audit report dated March 10, 2000, with respect to the
supplemental consolidated balance sheets of NBT Bancorp Inc. and subsidiaries as
of December 31, 1999 and 1998, and the related supplemental consolidated
statements of income, stockholders' equity, cash flows and comprehensive income
for each of the years in the three-year period ended December 31, 1999 which
report appears in the Current Report on Form 8-K dated March 31, 2000, filed by
NBT Bancorp Inc., incorporated by reference herein.
KPMG LLP
Syracuse, New York
June 26, 2000
