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   <title>Form  4          NBT BANCORP INC           For: May 21  Filed by: Kowalczyk Andrew S III</title>
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   <title>Form  4          NBT BANCORP INC           For: May 21  Filed by: Kowalczyk Andrew S III</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: WATT JOHN H JR</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: WATT JOHN H JR</title>
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   <title>Form  3          NBT BANCORP INC           For: May 19  Filed by: Testa Alfred V</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: DELANEY TIMOTHY E</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: CANTELE RICHARD J JR</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: CANTELE RICHARD J JR</title>
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   <title>Form  4          NBT BANCORP INC           For: May 19  Filed by: NASCA DAVID J</title>
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