SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                    FORM 8-K
                                 CURRENT REPORT



                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

       Date of Report (Date of earliest event reported): October 24, 2005



                                NBT BANCORP INC.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)



           DELAWARE                     0-14703               16-1268674
----------------------------         -------------        -------------------
  (State or other jurisdiction        (Commission           (IRS Employer
       of incorporation)              File Number)        Identification No.)



                 52 SOUTH BROAD STREET, NORWICH, NEW YORK 13815
                       ----------------------------------
                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (607) 337-2265
                                 --------------


       Check the appropriate box below if the Form 8-K filing is intended to
 simultaneously satisfy the filing obligation of the registrant under any of the
                              following provisions:

[ ]  Written communication pursuant to Rule 425 under the Securities Act (17 CFR
230.425)

[ ]  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)

[ ]  Pre-commencement  communications  pursuant  to  Rule  14d-2(b)  under  the
Exchange  Act  (17  CFR  240.14d-2(b))

[ ]  Pre-commencement  communications  pursuant  to  Rule  13e-4(c)  under  the
Exchange  Act  (17  CFR  240.13e-4(c))



ITEM 2.02 Results of Operations and Financial Condition
                            -------------------------


On  October  24,  2005,  NBT  Bancorp Inc. issued a press release describing its
results  of operations for the nine months and quarter ending September 30, 2005
as  well  as  announcing  a  quarterly dividend of $0.19 per share to be paid on
December  15,  2005  to  shareholders  of record on December 1, 2005. That press
release  is  furnished  as  Exhibit  99.1  hereto.


ITEM 9.01 Financial Statements and Exhibits

     {c}  The following is being furnished herewith:

Exhibit No.        Exhibit Description
99.1               Press release text of NBT Bancorp Inc. dated October 24, 2005


                                   SIGNATURES

Pursuant  to  the  requirements  of  the  Securities  Exchange  Act of 1934, the
registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  hereunto  duly  authorized.


                                 NBT BANCORP INC.
                                 --------------------------------------
                                 (Registrant)



                                 /s/  Michael J. Chewens
                                 --------------------------------------
                                 Michael J. Chewens
                                 Senior Executive Vice President,
                                 Chief Financial Officer and Corporate Secretary


Date: October 25, 2005