ITEM 2.02 Results of Operations and Financial Condition

On October 27, 2008, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter and nine months ending September 30, 2008 and announcing a quarterly dividend of $0.20 per share to be paid on December 15, 2008 to shareholders of record on December 1, 2008. That press release is furnished as Exhibit 99.1 hereto.

ITEM 9.01 Financial Statements and Exhibits

(d) The following is being furnished herewith:

Exhibit No. Exhibit Description

99.1 Press release text of NBT Bancorp Inc. dated October 27, 2008