0000950133-02-002442 11-K 1 20011231 20020701 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 11-K 34 000-14703 02693543 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 11-K 1 w61948e11vk.htm ANNUAL REPORT