
<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 1997, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          34,730
<INT-BEARING-DEPOSITS>                           1,501   
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    437,277
<INVESTMENTS-CARRYING>                          31,243
<INVESTMENTS-MARKET>                            31,241
<LOANS>                                        698,213
<ALLOWANCE>                                     11,085
<TOTAL-ASSETS>                               1,238,483
<DEPOSITS>                                     941,205
<SHORT-TERM>                                   152,893
<LIABILITIES-OTHER>                             10,501
<LONG-TERM>                                     20,189
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,003
<OTHER-SE>                                     104,692
<TOTAL-LIABILITIES-AND-EQUITY>               1,238,483
<INTEREST-LOAN>                                 31,142
<INTEREST-INVEST>                               14,807
<INTEREST-OTHER>                                    93
<INTEREST-TOTAL>                                46,042
<INTEREST-DEPOSIT>                              17,145
<INTEREST-EXPENSE>                              20,218
<INTEREST-INCOME-NET>                           25,824
<LOAN-LOSSES>                                    1,715
<SECURITIES-GAINS>                                  18
<EXPENSE-OTHER>                                 16,825
<INCOME-PRETAX>                                 11,575
<INCOME-PRE-EXTRAORDINARY>                       7,482
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,482
<EPS-PRIMARY>                                     0.87
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    4.68
<LOANS-NON>                                      3,619
<LOANS-PAST>                                       706
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 37,431
<ALLOWANCE-OPEN>                                10,473
<CHARGE-OFFS>                                    1,498
<RECOVERIES>                                       395
<ALLOWANCE-CLOSE>                               11,085
<ALLOWANCE-DOMESTIC>                             7,456
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,629
        

</TABLE>
