EXHIBIT 23

                              Consent of KPMG LLP

INDEPENDENT  AUDITORS'  CONSENT
-------------------------------


The  Board  of  Directors
NBT  Bancorp  Inc.:


We consent to incorporation by reference in the registration statements on Forms
S-3  (File  Nos.  33-12247  and  333-40192)  and Forms S-8 (File Nos. 333-67615,
333-71830,  333-32842,  333-44714,  333-72772,  333-73038, and 333-66472) of NBT
Bancorp  Inc. of our report dated January 28, 2002, relating to the consolidated
balance  sheets of NBT Bancorp Inc. and subsidiaries as of December 31, 2001 and
2000,  and  the related consolidated statements of income, stockholders' equity,
cash  flows  and  comprehensive  income  for each of the years in the three-year
period  ended  December  31, 2001, which report appears in the December 31, 2001
annual  report  on  Form  10-K.





                                                            KPMG  LLP
Albany,  New  York
March  27,  2002


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