0001140361-09-005522 10-K 29 20081231 20090302 20090302 NBT BANCORP INC 0000790359 6021 161268674 DE 1231 10-K 34 000-14703 09648354 52 S BROAD ST NORWICH NY 13815 6073372265 52 S. BROAD STREET NORWICH NY 13815 10-K 1 form10k.htm NBT BANCORP INC 10K 12-31-2008 EX-3.1 2 ex3_1.htm EXHIBIT 3.1 EX-3.2 3 ex3_2.htm EXHIBIT 3.2 EX-10.3 4 ex10_3.htm EXHIBIT 10.3 EX-10.4 5 ex10_4.htm EXHIBIT 10.4 EX-10.5 6 ex10_5.htm EXHIBIT 10.5 EX-10.6 7 ex10_6.htm EXHIBIT 10.6 EX-10.7 8 ex10_7.htm EXHIBIT 10.7 EX-10.8 9 ex10_8.htm EXHIBIT 10.8 EX-10.12 10 ex10_12.htm EXHIBIT 10.12 EX-10.16 11 ex10_16.htm EXHIBIT 10.16 EX-10.18 12 ex10_18.htm EXHIBIT 10.18 EX-10.19 13 ex10_19.htm EXHIBIT 10.19 EX-10.21 14 ex10_21.htm EXHIBIT 10.21 EX-10.25 15 ex10_25.htm EXHIBIT 10.25 EX-10.26 16 ex10_26.htm EXHIBIT 10.26 EX-10.27 17 ex10_27.htm EXHIBIT 10.27 EX-10.28 18 ex10_28.htm EXHIBIT 10.28 EX-10.29 19 ex10_29.htm EXHIBIT 10.29 EX-10.30 20 ex10_30.htm EXHIBIT 10.30 EX-10.33 21 ex10_33.htm EXHIBIT 10.33 EX-10.34 22 ex10_34.htm EXHIBIT 10.34 EX-21 23 ex21.htm EXHIBIT 21 EX-23 24 ex23.htm EXHIBIT 23 EX-31.1 25 ex31_1.htm EXHIBIT 31.1 EX-31.2 26 ex31_2.htm EXHIBIT 31.2 EX-32.1 27 ex32_1.htm EXHIBIT 32.1 EX-32.2 28 ex32_2.htm EXHIBIT 32.2 GRAPHIC 29 graph1.jpg GRAPH 1