0001140361-08-005378 10-K 12 20071231 20080229 20080229 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 10-K 34 000-14703 08654942 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 10-K 1 form10k.htm NBT BANCORP 10-K 12-31-2007 GRAPHIC 2 graph.jpg GRAPH EX-10.7 3 ex10_7.htm EXHIBIT 10.7 EX-10.27 4 ex10_27.htm EXHIBIT 10.27 EX-10.28 5 ex10_28.htm EXHIBIT 10.28 EX-10.29 6 ex10_29.htm EXHIBIT 10.29 EX-21 7 ex21.htm EXHIBIT 21 EX-23 8 ex23.htm EXHIBIT 23 EX-31.1 9 ex31_1.htm EXHIBIT 31.1 EX-31.2 10 ex31_2.htm EXHIBIT 31.2 EX-32.1 11 ex32_1.htm EXHIBIT 32.1 EX-32.2 12 ex32_2.htm EXHIBIT 32.2