Exhibit 10.13
Amendment Number Four to NBT Bancorp Inc. Defined Benefit Pension Plan effective
                                 January 1, 2004



                                 Amendment #4 to

                                NBT BANCORP INC.
                          DEFINED BENEFIT PENSION PLAN

                            AMENDMENT OF THE PLAN FOR
                         COST OF LIVING BENEFIT INCREASE


     Pursuant to Article 14.1 of the NBT Bancorp Inc. Defined Benefit Pension
Plan ("Plan"), which provides for the amendment thereof when necessary, the Plan
is hereby amended effective January 1, 2004, for a cost of living benefit
increase as follows:

Add a new Section 4.7 to Article IV:

4.7  January  1,  2004  Cost  of  Living  Increase
     ---------------------------------------------

    Effective as of January 1, 2004, the benefit payable to or on behalf of
                                each Participant
      (a) whose employment with the Employer (or any predecessor Employer)
  terminated for any reason prior to January 1, 2004, and (b) who is, or whose
 Beneficiary is, receiving monthly benefit payments from the Plan as of January
  1, 2004 (including a Participant or Beneficiary who shall commence receiving
   benefits from the Plan as of January 1, 2004), shall be increased by three
                                  percent (3%).

    The foregoing increase shall be applied to the monthly benefit actually
 payable to the Participant, or to the Participant's Beneficiary, as of January
1, 2004, determined after all applicable adjustments, regardless of whether such
benefit had been determined under the Account Balance Plan, the Appendix A Plan,
    or the plan of a predecessor Employer that had been merged into the Plan.


     The  Employer  consents  to  the foregoing amendment, and except as amended
herein,  the  Plan  is  hereby  ratified  and  confirmed.



                              NBT Bancorp Inc.


                              By: /S/ Michael J. Chewens
                                  ------------------------
                                  EMPLOYER


                              Date: 1/26/2004
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