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                                                                    EXHIBIT 10.6

                      SENIOR EXECUTIVE SEVERANCE AGREEMENT

         THIS AGREEMENT is made as of January 1, 2001 by and between CENTRAL
NATIONAL BANK, CANAJOHARIE, a national banking association located in
Canajoharie, New York (the "Bank"), CNB FINANCIAL CORP., the bank holding
company for the Bank (the "Corporation"), and MICHAEL D. HEWITT (the
"Executive").

                                   WITNESSETH:

         WHEREAS, the Board of Directors (the "Board") of the Corporation has
authorized the Corporation to enter into severance agreements with certain key
executives of the Corporation and the Bank; and

         WHEREAS, the Executive is a key executive of the Corporation and/or the
Bank and has been selected by the Board as a key executive to be a party to this
Agreement; and

         WHEREAS, should the Corporation receive any hostile proposal from a
third person concerning any possible business combination with, or
acquisition of equity securities of, the Corporation, the Board believes it
imperative that the Corporation and the Board be able to rely on the
Executive to continue in his position, and that the Corporation be able to
receive and rely upon his advice, if it requests it, as to the best interests
of the Corporation and its shareholders without concern that he might be
distracted by the personal uncertainties and risks created by such a
proposal; and

         WHEREAS, should the Corporation receive any such proposals, in addition
to the Executive's regular duties, he may be called upon to assist in the
assessment of such proposals, to advise management and the Board as to whether
such proposals would be in the best interests of the Corporation and its
shareholders, and to take such other actions as the Board might determine to be
appropriate; and

         WHEREAS, the Board also desires to encourage the continued dedication
of the Executive to the Corporation and the Bank and to promote the stability of
the Corporation's and the Bank's management by providing certain protections for
the Executive in the event that a hostile Change in Control (as hereinafter
defined) occurs with respect to the Corporation;

         NOW, THEREFORE, to assure the Corporation and the Bank that they will
have the continued dedication of the Executive and the availability of his
advice and counsel notwithstanding the possibility, threat or occurrence of a
bid to take over control of the Corporation, and to induce the Executive to
remain in the employ of the Corporation, and for other good and valuable
consideration, the Corporation, the Bank and the Executive agree as follows:

         1. SERVICES DURING CERTAIN EVENTS. In the event a person or group
begins a tender or exchange officer, circulates a proxy to shareholders, or
takes other steps seeking

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to effect a Change of Control (as defined in Section 4 below), the Executive
agrees that he will not voluntarily leave the employ of the Corporation and will
render the services contemplated in the recitals to this Agreement until the
earlier of (i) the date such person or group has abandoned or terminated his or
its efforts to effect a Change of Control, or (ii) three (3) months after a
Change of Control has occurred.

         2. TERMINATION AFTER CHANGE OF CONTROL.

                  (a) In the event of a Termination (as defined in Section 4(b)
         below) of the Executive's employment with the Corporation (including
         the Bank) within 24 months after a Change of Control of the
         Corporation, the Corporation shall be obligated, subject to the
         limitation contained in Section 2(b) below, to pay the Executive, as
         compensation for services rendered to the Corporation and as
         consideration for the covenant not to compete set forth in Section 6,
         an amount equal to 1.99 times the Executive's base salary compensation
         (exclusive of all bonus amounts) paid in the last complete calendar
         year prior to the date of Termination. Such amount shall be payable to
         the Executive in eight (8) equal quarterly installments (subject to any
         applicable payroll or other taxes required to be withheld), over a two
         (2) year period, without interest, with the first such payment made not
         later than 30 days after the Executive's last day of employment with
         the Corporation and each succeeding payment being due on the same day
         of every third calendar month thereafter. In the event the Executive
         dies at any time during the two years following his Termination, any
         remaining unpaid installments provided for by this Section 2(a) shall
         be paid to his estate. Notwithstanding the foregoing, at the sole
         election of the Corporation, the entire amount payable to the Executive
         pursuant to this Section 2(a) may be paid in a lump sum, not later than
         the 30th day following the Executive's last day of employment with the
         Corporation.

                  (b) Notwithstanding anything in this Agreement to the
         contrary, in the event that the amount payable to the Executive
         pursuant to Section 2(a) above, when added to all other amounts paid or
         to be paid to, and the value of all property received or to be received
         by, the Executive in anticipation of or following a Change of Control,
         whether paid or received pursuant to this Agreement or otherwise (such
         other amounts and property being referred to herein as "Other Change in
         Control Payments"), would constitute an excess parachute payment within
         the meaning of Section 280G of the Internal Revenue Code of 1986, as
         amended (or any successor or renumbered section), then the amount
         payable pursuant to Section 2(a) of this Agreement or, as directed by
         the Executive, such Other Change in Control Payments shall be reduced
         to the maximum amount which, when added to such Other Change in Control
         Payments, does not constitute an excess parachute payment. For purposes
         of determining the extent to which payments pursuant to this Agreement
         and/or Other Change in Control Payments must be reduced, the value of
         the covenant not to compete set forth in Section 6 shall be valued by
         an independent certified public accounting firm retained by the
         Corporation.

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         3. OTHER EMPLOYMENT. The Executive shall not be obligated to seek other
employment for mitigation of the amounts payable or arrangements made under any
provision of this Agreement.

         4. DEFINITIONS. For purposes of this Agreement, the following terms
shall have the following respective meanings:

                  (a) A "CHANGE OF CONTROL" shall be deemed to have taken place
         if any of the following events occurs and the Board of Directors of the
         Corporation, as constituted prior to event occurring, has not expressly
         approved the transaction or event by at least two-thirds vote of the
         entire Board:

                           (i) as the result of, or in connection with any
                  tender or exchange offer, consolidation, merger or other
                  business combination, sale of assets or contested election or
                  any combination of the foregoing transactions (a
                  "Transaction"), the persons who were directors of the
                  Corporation before the Transaction shall cease for any reason
                  to constitute at least 50% of the Board of Directors of the
                  Corporation or any successor to the Corporation; or

                           (ii) any "person" (as that term is used in Section
                  13(d) and 14(d)(2) of the Securities and Exchange Act of 1934
                  (the "Exchange Act") as in effect on the date hereof),
                  including a "group" as defined in Section 13(d)(3) of the
                  Exchange Act, becomes the beneficial owner, directly or
                  indirectly, of shares of the Corporation having more than 50%
                  of the total number of votes that may be cast for the election
                  of Directors of the Corporation; or

                           (iii) the Corporation is merged or consolidated with
                  another corporation and as a result of the merger or
                  consolidation less than 50% of the outstanding voting
                  securities of the surviving or resulting corporation shall
                  then be owned in the aggregate by the former stockholders of
                  the Corporation, other than affiliates within the meaning of
                  the Exchange Act or any party to the merger or consolidation;
                  or

                           (iv) a tender offer or exchange offer is made and
                  consummated for the ownership of securities of the Corporation
                  representing more than 50% of the combined voting power of the
                  Corporation's then outstanding voting securities; or

                           (v) the Bank transfers substantially all of its
                  assets to another Corporation which is not a direct or
                  indirect wholly-owned subsidiary of the Corporation.

                  (b) "TERMINATION" shall mean (1) termination by the
         Corporation of the employment of the Executive with the Corporation
         (including the Bank) for any reason other than death, Disability (as
         defined in Section 4(d) or Cause (as

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         defined in Section 4(c)), or (2) the resignation of the Executive for
         either of the following events:

                           (i) A reduction in the Executive's salary and
                  eligibility for bonuses, incentive compensation and benefits
                  from that in effect in last complete calendar year prior to
                  the Change of Control, or (ii) a change in the location where
                  the Executive is required to perform services of more than 25
                  miles from his current residence or more than 25 miles from 24
                  Church Street, Canajoharie, New York; provided that prior to
                  the Executive's resignation, he provides written notice to the
                  Corporation of .his intent to resigns pursuant to this
                  paragraph and provides the Corporation a 30 days to cure the
                  stated condition.

                  (c) "CAUSE" shall mean the Executive's unreasonable neglect or
         refusal to perform the material duties of his position, fraud,
         misappropriation or intentional material damage to the property or
         business of the Corporation or commission of a felony.

                  (d) "DISABILITY" shall mean the Executive's absence from his
         duties with the Corporation on a full time basis for six (6) successive
         months, or for shorter periods aggregating seven (7) months or more in
         any year, as a result of the Executive's incapacity due to physical or
         mental illness, unless within 30 days after the Corporation gives
         written notice of termination following such absence the
         Executive shall have returned to the full time performance of his
         duties.

         5. TRADE SECRETS. It is recognized that the Corporation and the Bank
have acquired and developed and will continue to acquire and develop techniques,
plans, processes, computer programs, and lists of customers and their particular
requirements which may pertain to Bank related services and equipment, and
related trade secrets, know-how, research and development, which are proprietary
and confidential in nature and are and will continue to be of unique value to
the Corporation and the Bank and its business (all hereinafter referred to as
"Confidential Information"). All Confidential Information known or in the
possession of Executive shall be kept and maintained by him as confidential and
proprietary to the Corporation and the Bank. The Executive shall not disclose
any Confidential Information at any time directly or indirectly, in any manner
to any person or firm, except to other employees of the Corporation and/or the
Bank on a "need to know" basis. Upon termination of his employment for any
reason, the Executive shall without demand therefore deliver to the Corporation
all Confidential Information in his possession. The obligations of this Section
shall survive the termination of this Agreement indefinitely.

         6. SUCCESSORS. This Agreement shall be binding upon and inure to the
benefit of the Executive and his estate, and the Corporation and any successors
of the Corporation, but neither this Agreement nor any rights arising hereunder
may be assigned or pledged by the Executive.

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         7. MISCELLANEOUS. This Agreement represents the entire agreement
between the parties with respect to the subject matter of this Agreement and
specifically supersedes any and all oral or written agreements on its subject
matter previously entered into by the parties, including without limitation the
Change in Control Agreement, dated as of May 1, 1995 and March 31, 1998, between
the Bank, the Corporation and the Executive.

         8. SEVERABILITY. Any provision in this Agreement that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
only to the extent of such prohibition or unenforceability without invalidating
or affecting the remaining provisions hereof, and any such prohibition or
unenforceability without invalidating or affecting the remaining provisions
hereof, and any such prohibition or unenforceability in any jurisdiction shall
not be invalidate or render unenforceable such provision in any other
jurisdiction.

         9. CONTROLLING LAW. This Agreement shall in all respects be governed
by, and construed in accordance with, the laws of the State of New York.

         10. TERMS OF AGREEMENT.

                  (a) The initial term of this Agreement shall commence as of
         January 1, 2001 and shall continue through December 31, 2001, unless
         earlier terminated as provided herein; provided, however, that in no
         case shall this Agreement terminate; (i) within 24 months after the
         occurrence of a Change of Control, or (ii) during any period of time
         when the Corporation has knowledge that any person or group (such terms
         are defined in Section 4(a)(ii) above) has taken steps reasonably
         calculated to effect a Change in Control until, in the opinion of the
         Board, such person or group has abandoned or terminated his or its
         efforts to effect a Change of Control. Any determination by the Board
         that such person or group has abandoned or terminated his or its
         efforts to effect a Change of Control shall be conclusive and binding
         as the Executive.

                  (b) Notwithstanding any provisions of this Agreement, this
         Agreement shall not confer upon the Executive the right to be retained
         in the service of the Corporation (including the Bank) nor limit the
         right of the Corporation or the Bank to discharge or otherwise deal
         with the Executive. It is the express understanding of the Executive,
         the Corporation and the Bank that the Executive's employment shall at
         all times be "at will", notwithstanding any provisions of this
         Agreement. Accordingly, the Executive or the Corporation and Bank may
         terminate the Executive's employment with the Bank at any time for any
         reason.

                  (c) This Agreement may be renewed only by the written action
         of both parties.

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         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date specified in the first paragraph of this Agreement.

                                         CNB FINANCIAL CORP.

                                         By: /s/ VanNess D. Robinson
                                            ------------------------------------
                                                 VanNess D. Robinson, Chair
                                                 Executive Committee

                                         CENTRAL NATIONAL BANK, CANAJOHARIE

                                         By: /s/ Donald L Brass
                                            ------------------------------------
                                                 Donald L. Brass, President

                                         EXECUTIVE:

                                                 /s/ Michael D. Hewitt
                                         ---------------------------------------

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                                                                   EXHIBIT 10.7

                      SERVICE AND NONCOMPETITION AGREEMENT

         THIS SERVICE AND NONCOMPETITION AGREEMENT (this "Agreement") is made
and entered into as of June 19, 2001, between CNB Financial Corp., a New York
corporation ("CNB"), NBT Bancorp Inc., a Delaware corporation (the "Company"),
and Donald L. Brass ("Executive"); and

         WHEREAS, upon the terms and subject to the conditions set forth in the
Agreement and Plan of Merger, dated as of the date hereof, by and between CNB
and the Company (the "Merger Agreement"), CNB will merge into the Company (the
"Merger"); and

         WHEREAS, CNB and the Company have determined that it is critical that
Executive continue to serve as Chief Executive Officer of CNB through the date
of the consummation of the Merger pursuant to the Merger Agreement (the
"Effective Time"); and

         WHEREAS, because of Executive's abilities and his knowledge of, and
reputation in, the markets where CNB conducts its business, the Company has
determined that it is essential to obtain a commitment from Executive not to
compete against the Company in those markets and not to solicit to employee the
Company's employees for a three year period after the Effective Time.

         NOW, THEREFORE, in consideration of the foregoing and of the mutual
covenants and agreements hereinafter set forth, it is hereby agreed as follows:

         1. SERVICE AS CHIEF EXECUTIVE OFFICER. In recognition of the importance
of maintaining the current leadership of CNB through the Effective Time and in
light of the fact that the Company will terminate Executive's employment after
the Effective Time, Executive agrees that he shall continue to serve as Chief
Executive Officer of CNB until the earliest of (i) the Effective Time, (ii) the
date that the Merger Agreement is terminated in accordance with Section 12
thereof, and (iii) the date that CNB terminates Executive's employment for any
reason. Executive further agrees that, for the 30 day period prior to the
Effective Time, any vacation to be taken by Executive shall be scheduled in
consultation with the Company and shall be available only to the extent it does
not materially interfere with consummation of the Merger.

         2. COVENANT NOT TO COMPETE.

            (a) The parties acknowledge: (i) that as a result of the Merger, the
Company will be engaged in the business of banking in those markets where CNB
currently conducts its banking business; (ii) that Executive has developed
special expertise and a recognized reputation in CNB's current markets; and
(iii) that if Executive were to undertake efforts in competition with the
Company in CNB's current market areas the result would be substantial and
irreparable damage to the Company.

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            (b) For the three year period commencing at the Effective Time,
Executive shall not solicit or accept, directly or by assisting others, any
business (other than business in an area outside of twenty miles in which the
Company or any of its subsidiaries is competitively engaged) customers or
prospective customers of the Company whom Executive has served or solicited
during the course of his employment by CNB.

            (c) For the three year period commencing at the Effective Time,
Executive shall not, directly or indirectly, either for Executive's own benefit
or purpose or for the benefit or purpose of any person or entity other than the
Company or any of its subsidiaries, employ or offer to employ, call on, or
actively interfere with the Company's or any of its subsidiaries' relationship
with, or attempt to divert or entice away, any officer of the Company or any of
its subsidiaries who was an officer of CNB or any of its subsidiaries
immediately prior to the Effective Time.

            (d) Executive recognizes that his obligations under Section 2 hereof
(the "Restrictive Covenant") is a reasonable means of protecting the Company
from competition by him and agrees that any breach of the Restrictive Covenant
may result in irreparable damage and injury to the Company, and that the Company
will be entitled to injunctive relief in any court of competent jurisdiction
without the necessity of posting any bond.

         3. CONFIDENTIALITY.

            (a) Executive shall hold in strict confidence and shall not
disclose, directly or indirectly, to any third party, person, firm, corporation
or other entity, irrespective of whether such person or entity is a competitor
of the Company or is engaged in a business similar to that of the Company, any
trade secrets, customer lists or other proprietary information of the Company
obtained by Executive while serving as Chief Executive Officer of CNB.

            (b) Notwithstanding the foregoing limitations, Executive shall not
be required to keep confidential pursuant to this Section 3 any confidential or
proprietary information that: (i) is known or available through other lawful
sources, (ii) is or becomes publicly known or generally known in the industry
through no fault of Executive or his agents, or (iii) is required to be
disclosed pursuant to any statutes, laws, rules, regulations, ordinances, codes,
directives, writs, injunctions, decrees, judgments and orders of any
governmental body.

         4. COMPENSATION. In consideration of Executive's continued service as
Chief Executive Officer, the Restrictive Covenant, and Executive's other
obligations hereunder, the Company agrees that:

            (a) The Company shall pay to Executive at the Effective Time a lump
sum amount, in cash, equal to $1,100,000.

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            (b) For a period of three years after the Effective Time, the
Company shall provide to Executive, at no cost to him, life insurance and health
insurance (collectively, "Welfare Benefits") that are not less favorable in all
respects to those that Executive was receiving immediately prior to the
Effective Time; provided, however, that the medical coverage provided shall be
family medical coverage that also covers Executive's spouse and any dependents.
Executive will be entitled to elect to change his level of coverage and/or his
choice of coverage options with respect to the Welfare Benefits provided by the
Company to Executive to the same extent that actively employed senior executives
of the Company are permitted to make such changes.

            (c) Prior to the Effective Time, CNB shall take all necessary and
appropriate actions to (i) cause $28,000 to be contributed to the annuity
contract provided for under the terms of the Supplemental Retirement Annuity
Agreement (the "SRAA") between Executive and CNB, dated May 15, 2000, (ii) cause
the transfer of such annuity contract to a "rabbi trust," the terms of which
shall provide for the payment of benefits to Executive and his beneficiaries in
accordance with the terms of the SRAA, and (iii) amend the SRAA as necessary or
appropriate to reflect the terms of this Section 4(c).

         5. OTHER PLANS AND BENEFITS; AUTOMOBILE LEASE.

            (a) The Company agrees that in addition to any compensation and
benefits provided for in this Agreement, Executive shall be entitled to benefits
in accordance with the plans, practices, programs and policies of CNB which
covered Executive, or in which Executive participated, prior to the Effective
Time, including but not limited to the Deferred Compensation Plan for Certain
Executive Employees and Directors of Central National Bank, Canajoharie (the
"DCP") and the SRAA.

            (b) Prior to the Effective Time, CNB shall take, or cause to be
taken, all such actions as may be necessary or appropriate to (i) relieve
Executive of all liability and obligation under Executive's existing lease of a
2001 Cadillac and to cause Executive to be indemnified for any liability or
obligation with respect to such lease or automobile and (ii) amend the DCP to
provide that benefit payments to Executive under the DCP shall be made only upon
at least one year's advance, irrevocable, written notice by Executive to the
Company pursuant to which Executive shall specify the date and form of payment
of his benefits under the DCP.

         6. OFFICE AND SERVICES. For a one-year period after the Effective Time,
the Company shall furnish Executive with office space, secretarial assistance
and such other reasonable facilities and services commensurate with Executive's
status as former Chief Executive Officer of CNB.

         7. EXPENSES. The Company shall pay to Executive all legal fees and
expenses (but not taxes, penalties or interest on taxes or penalties) incurred
by Executive (a) in seeking to obtain or enforce any provision of this Agreement
or (b) in connection with any tax audit or proceeding to the extent attributable
to the application of Section 4999 of the Code to any payment or benefit
provided hereunder or under other plans and programs of

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CNB, the Company or any of their affiliates. Such payments shall be made within
five (5) business days after delivery of Executive's written requests for
payment accompanied with such evidence of fees and expenses incurred as the
Company reasonably may require.

         8. ALLOCATION. Prior to the Effective Time, Executive and the Company
shall agree to a mutually acceptable allocation of the compensation and benefits
provided to Executive hereunder to Executive's covenants hereunder.

         9. PAYMENT OBLIGATIONS ABSOLUTE. The Company's and CNB's obligation
hereunder to pay Executive the amounts and to make the benefit and other
arrangements provided for herein shall be absolute and unconditional and shall
not be affected by any circumstances, including, without limitation, any setoff,
counterclaim, recoupment, defense or other right which CNB or the Company or any
of their affiliates may have against him or anyone else. Except as provided in
Section 7 of this Agreement, all amounts payable by the Company hereunder shall
be paid without notice or demand. Each and every payment made hereunder by the
Company shall be final, and the Company will not seek to recover all or any part
of such payment from Executive, or from whomsoever may be entitled thereto, for
any reason whatsoever.

         10. SUCCESSORS. In addition to any obligations imposed by law upon any
successor to the Company, the Company shall be obligated to require any
successor (whether direct or indirect and whether by purchase, merger,
consolidation, operation of law or otherwise) to all or substantially all of the
business, property and/or assets of the Company to expressly assume and agree to
perform this Agreement in the same manner and to the same extent that the
Company would be required to perform it if no such succession had taken place.
In the event of such a succession, references to the "Company" herein shall
thereafter be deemed to include such successor. Failure of the Company to obtain
such assumption and agreement prior to the effectiveness of any such succession
shall be a breach of this Agreement.

         11. SEVERABILITY. The provisions of this Agreement shall be regarded as
divisible, and if any of said provisions or any part hereof are declared invalid
or unenforceable by a court of competent jurisdiction, the validity and
enforceability of the remainder of such provisions or parts hereof and the
applicability thereof shall not be affected thereby.

         12. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
of CNB, the Company and Executive with respect to the subject matter of this
agreement. No agreements or representations, oral or otherwise, express or
implied, with respect to the subject matter of this Agreement have been made by
either party which are not expressly set forth in this Agreement.

         13. AMENDMENT. This Agreement may not be amended or modified at any
time except by written instrument executed by the Company, Executive and, if
prior to the Effective Time, CNB.

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         14. TAXES. The Company shall be entitled to withhold from amounts to be
paid hereunder any federal, state or local withholding or other taxes or charges
which it is from time-to-time required to withhold.

         15. GOVERNING LAW. This Agreement and the rights and obligations
hereunder shall be governed by and construed in accordance with the laws of the
State of New York without regard to the conflicts of laws principles thereof.

         16. NOTICE. Notices given pursuant to this Agreement shall be in
writing and shall be deemed given when actually received by Executive or
actually received by the Company's or CNB's Secretary, as the case may be. If
mailed, such notices shall be mailed by United States registered or certified
mail, return receipt requested, addressee only, postage prepaid, if to the
Company, to the Secretary of the Company at its headquarters (currently located
at 52 South Broad Street, Norwich, NY 13815), if to CNB, to the Secretary of CNB
at its headquarters (currently located at 24 Church Street, Canajoharie, NY
13317), or if to Executive, at the address set forth below Executive's signature
to this Agreement, or to such other address as the party to be notified shall
have theretofore given to the other party in writing.

         17. NO WAIVER. No waiver by either party at any time of any breach by
the other party of, or compliance with, any condition or provision of this
Agreement to be performed by the other party shall be deemed a waiver of similar
or dissimilar provisions or conditions at the same time or any prior or
subsequent time.

         18. HEADINGS. The headings herein contained are for reference only and
shall not affect the meaning or interpretation of any provision of this
Agreement.

         19. COUNTERPARTS. This Agreement may be executed in counterparts, all
of which shall be considered the same hereunder.

         20. TERMINATION. This Agreement shall terminate in the event that the
Merger Agreement terminates in accordance with Section 12 thereof.

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         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
day and year first written above.

                                         CNB Financial Corp.

                                         By:______________________
                                              Peter J. Corso
                                              Executive Vice President and
                                              Chief Financial Officer

                                         NBT Bancorp Inc.

                                         By: ________________________
                                              Daryl R. Forsythe
                                              President and Chief Executive
                                              Officer

                                         By: ________________________
                                              Donald L. Brass
                                              841 Greenthorne Blvd.
                                              Schenectady, NY 12303

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