0001015402-02-003749 10-Q 3 20020930 20021114 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 10-Q 34 000-14703 02823089 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 10-Q 1 doc1.txt EX-99.1 3 doc2.txt EX-99.2 4 doc3.txt