0001015402-02-000918 DEF 14A 1 20020502 20020326 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 DEF 14A 34 000-14703 02586857 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 DEF 14A 1 doc1.txt