0001015402-02-001029 10-K 23 20011231 20020329 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 10-K 34 000-14703 02594332 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 10-K 1 doc1.txt EX-3.1 3 doc2.txt EX-3.2 4 doc3.txt EX-10.2 5 doc4.txt EX-10.3 6 doc5.txt EX-10.4 7 doc6.txt EX-10.5 8 doc7.txt EX-10.6 9 doc8.txt EX-10.8 10 doc9.txt EX-10.11 11 doc10.txt EX-10.13 12 doc11.txt EX-10.15 13 doc12.txt EX-10.16 14 doc13.txt EX-10.18 15 doc14.txt EX-10.19 16 doc15.txt EX-10.21 17 doc16.txt EX-10.24 18 doc17.txt EX-10.27 19 doc18.txt EX-10.29 20 doc19.txt EX-10.31 21 doc20.txt EX-10.33 22 doc21.txt EX-21 23 doc22.txt EX-23 24 doc23.txt