0001015402-02-001695 10-Q 1 20020331 20020514 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 10-Q 34 000-14703 02645806 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 10-Q 1 doc1.txt