Document:

Exhibit 10.3
   Second Amendment to the NBT Bancorp Inc. 401(k) and Employee Stock Ownership
                                      Plan
                             Effective July 2, 2001.

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                             SECOND AMENDMENT TO THE
NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

       THIS AMENDMENT, made this 2nd day of July, 2001, by NBT BANCORP INC.
                        (hereinafter called "Employer").

WHEREAS, the Employer did establish the NBT BANCORP INC. 401(K) AND EMPLOYEE
STOCK OWNERSHIP PLAN (the "Plan") for the sole and exclusive benefit of its
eligible participants and their respective beneficiaries under the terms and
provisions of the Internal Revenue Code of 1986, as amended, and

WHEREAS, the Employer reserved the right to amend said Plan;

NOW THEREFORE, effective as of January 1, 2001, the Plan shall be amended as
follows:

1.   Section 4.1 of ARTICLE IV, CONTRIBUTION AND ALLOCATION is hereby amended by
     adding  after  the last sentence thereof the following provision as Subpart
     (e):

     "(e) A special one-time contribution of $13,142.24, which shall be deemed a
          Participating  Employer  Non-Elective  Contribution. Only Participants
          who  are  employed  on  January  24,  2001 and who were penalized by a
          liquidation fee in the SF Guaranteed contract issued by Mass Mutual as
          a result of the merger of LA Bank, N.A. with NBT Bancorp Inc. shall be
          eligible  to  share  in  the  special  one-time  contribution."

2.   Subpart  (b)  of  Section 4.4 of ARTICLE IV, CONTRIBUTION AND ALLOCATION is
     hereby  amended  by  adding  after  the last sentence thereof the following
     provision  as  Subpart  (4):

     "(4) With  respect  to  the  special one-time contribution made pursuant to
          Section  4.1(e),  to  each Participant's Account in an amount equal to
          4.137%  of  the amount of the Participant's Account invested in the SF
          Guaranteed  contract  issued  by  Mass  Mutual as of January 24, 2001.
          Notwithstanding  the  foregoing,  no  amount shall be contributed to a
          Participant's  Account  if  the  contribution  would  cause  the
          Participant's  Account to exceed the limitations of Code Section 415."

3.   In  all  other respects, the Plan shall remain unchanged by this Amendment.

IN WITNESS WHEREOF, the Employer has caused this instrument to be executed the
day and year first above written.

                                             /s/ Jane E. Neal
                                             Executive Vice President

                                      A-122
<PAGE>Exhibit 10.4
Third Amendment to the NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan
                              effective January 1, 2002.

                                      A-123
<PAGE>
                                 THIRD AMENDMENT
                                       TO
            NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

     WHEREAS,  NBT  BANCORP INC. (the "Employer") sponsors and maintains the NBT
BANCORP  INC.  401(K)  AND  EMPLOYEE  STOCK  OWNERSHIP PLAN (the "Plan") for the
benefit  of  certain  of  its  employees;  and

     WHEREAS,  Section  11.1  of  the  Plan authorizes the Employer to amend the
Plan;  and

     WHEREAS,  the  Employer  desires  to  amend  the  Plan  to  provide express
procedures  for  the adoption of the Plan by affiliated employers and to provide
for  the  adoption  of  the  Plan  by  certain  of  those  affiliated employers;

     NOW  THEREFORE,  the Plan is amended, effective January 1, 2002 in the form
attached  hererto.

                                   NBT  BANCORP  INC.

                                   By:    /s/ Jane  E.  Neal

                                   Title: Executive  Vice  President
                                   Date:  12/13/2001

                                      A-124
<PAGE>Exhibit 10.5
   Fourth Amendment to the NBT Bancorp Inc. 401(k) and Employee Stock Ownership
                                      Plan
                           effective January 1, 2002.

                                      A-125
<PAGE>
                                FOURTH AMENDMENT
                                       TO
            NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

     WHEREAS,  NBT  BANCORP INC. (the "Employer") sponsors and maintains the NBT
BANCORP  INC.  401(K)  AND  EMPLOYEE  STOCK  OWNERSHIP PLAN (the "Plan") for the
benefit  of  certain  of  its  employees;  and

     WHEREAS,  Section  11.1  of  the  Plan authorizes the Employer to amend the
Plan;  and

     WHEREAS,  the  Employer  desires  to  amend  the  Plan  to  reflect certain
provisions  of  the  Economic  Growth  and Tax Relief Reconciliation Act of 2001
("EGTRRA").  This  amendment  is  intended  as  good  faith  compliance with the
requirements  of  EGTRRA  and  is  to be construed in accordance with EGTRRA and
guidance  issued thereunder.  Except as otherwise provided, this amendment shall
be effective as of the first day of the first plan yeas beginning after December
31,  2001.

     NOW  THEREFORE,  the Plan is amended, effective January 1, 2002 as follows:

1.  Section  1.14  shall  be  amended  to  increase  the  Compensation  Limit.

     The annual compensation of each participant taken into account in
     determining allocations for any plan year beginning after December 31,
     2001, shall not exceed $200,000, as adjusted for cost-of-living increases
     in accordance with Code Section 401(a)(17)(B). Annual compensation means
     compensation during the plan year or such other consecutive 12-month period
     over which compensation is otherwise determined under the plan (the
     determination period). The cost-of-living adjustment in effect for a
     calendar year applies to annual compensation for the determination period
     that begins with or within such calendar year.

2.  Section  4.9  shall  be  amended to change the limitations on contributions.

Except to the extent permitted under Section 7 of this amendment and Code
                              Section 414(v), if applicable, the annual addition
                              that may be contributed or allocated to a
                              participant's account under the plan for any
                              limitation year shall not exceed the lesser of:

          (a) $40,000, as adjusted for increases in the cost-of-living under
          Code Section 415(d), or

          (b) 100 percent of the participant's compensation, within the meaning
          of Code Section 415(c)(3), for the limitation year. The compensation
          limit referred to in (b) shall not apply to any contribution for
          medical benefits after separation from service (within the meaning of
          Code Sections 401(h) or 419A(f)(2)), which is otherwise treated as an
          annual addition.

3.   Sections 4.2(e) and 9.2(b) shall be amended to change the suspension period
     for elective deferrals following a hardship distribution from twelve months
     to six months.

4.   Section 10.12 shall be amended to change the definition of an eligible
     rollover distribution.

          For purposes of the direct rollover provisions under Section 10.12 of
          the Plan, any amount distributed on account of hardship after December
          31, 2001 shall not be an "Eligible Distribution" and therefore, the
          distributee may not elect to have any portion of such a distribution
          paid directly to an "Eligible Plan".

5.   Section 8.1 shall be amended to change the involuntary cash-out rules.

          For purposes of the involuntary cash-out provisions under Section 8.1,
          in determining the value of a Participants or Former Participants
          Combined Account, after December 31, 2001, the value shall be

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          determined without regard to that portion of the account balance that
          is attributable to rollover contributions (and earnings allocable
          thereto) within the meaning of Code Sections 402(c), 403(a)(4),
          403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16). If the value of the
          Participant's or Former Participant's account balance as so determined
          is $5,000 or less, the plan shall immediately distribute the
          Participant's or Former Participant's nonforfeitable account balance.

6.   Section 4.2(a) shall be amended with regard to the maximum salary reduction
     contributions.

          No participant shall be permitted to have elective deferrals made
          under this plan, or any other qualified plan maintained by the
          Employer during any taxable year, in excess of the dollar limitation
          contained in Code Section 402(g) in effect for such taxable year,
          except to the extent permitted under Section 7 of this amendment and
          Code Section 414(v), if applicable.

7.   Section 4.2(j) shall be added to the Plan to deal with Catch-Up
     Contributions.

          All employees who are eligible to make elective deferrals under this
          Plan and who have attained age fifty before the close of the plan year
          effective January 1, 2002 shall be eligible to make catch-up
          contributions in accordance with and subject to the limitations of,
          Section 414(v) of the Code. Such catch-up contributions shall not be
          taken into account for purposes of the provisions of the Plan
          implementing the required limitations of Code Sections 402(g),
          401(k)(3), 410(b), 415 and 416, as applicable, by reason of the making
          of such catch-up contributions.

8.   Section 4.4(o) shall be added to the Plan to deal with ESOP Dividend
     Reinvestment.

          Each Participant shall, upon first becoming eligible to participate in
          the Plan pursuant to Sec.3.1, and on an annual basis thereafter, with
          respect to the cash dividends on Company Stock held in his Company
          Stock Account that are credited to his Other Investments Account in
          accordance with Sec.4.4(c), have the option to:

          (1)  receive payments from the Plan of such cash dividends as soon as
               administratively practicable following the crediting thereof, but
               in no event later than 90 days following the close of the Plan
               Year in which such cash dividends were credited to the
               Participant's Other Investments Account; or

          (2)  have such cash dividends re-invested in his Company Stock Account
               in the Plan as soon as administratively practicable following the
               crediting thereof, but in no event later than the date such cash
               dividends would have otherwise been paid as provided for in
               paragraph (1) above, (the "default election").

          Cash dividends re-invested in a Participant's Company Stock Account in
          accordance with Sec.4.4(o)(2) above and Code Sec.404(k)(2)(A)(iii)(II)
          shall not be treated as: (1) annual additions for purposes of Code
          Sec.415; or (2) Elective Contributions for purposes of Code
          Sec.401(k); or (3) Employee contributions for purposes of Code
          Sec.401(m) and Article IV of the Plan.

          The Plan Administrator shall institute and adopt such administrative
          procedures pursuant to and in accordance with Sec.2.4, which shall be
          applied in a uniform and nondiscriminatory manner, as necessary to
          provide for Participant elections and the payment and re-investment of
          cash dividends on Company Stock. Such procedures shall provide that:

               (i)  a Participant may only make one irrevocable election with
                    respect to the cash dividends to be credited to his Other
                    Investments Account in a given Plan Year, made prospectively
                    at the beginning of such Plan Year or upon first becoming
                    eligible to participate in the Plan; and

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               (ii) a Participant's election shall remain in effect for all
                    subsequent Plan Years until the Participant makes a new
                    election or his entire Vested account balance is distributed
                    to him; and

               (iii) if a Participant fails to make an election upon first
                    becoming eligible to participate in the Plan, or, if later,
                    the effective date of this provision, then he shall be
                    deemed to have elected to re-invest cash dividends as
                    provided for in paragraph (2) above, and such default
                    election shall remain in effect in accordance with paragraph
                    (ii) above.

          Notwithstanding the above, for the Plan Year beginning January 1, 2001
          and ending December 31, 2001, a Participant's election to receive or
          re-invest cash dividends for such Plan Year as described herein shall
          be made after December 31, 2001 and before March 31, 2002.
          Furthermore, if a Participant elects to receive payment of such cash
          dividends credited to his Other Investments Account for the 2001 Plan
          Year in accordance with paragraph (1) above, a single sum payment of
          all such dividends credited for the year shall be paid to the
          Participant after December 31, 2001 and before March 31, 2002.

9.   Section 8.16 shall be deleted in its entirety and Sections 8.17 through
     8.19 shall be renumbered accordingly.

                                        NBT BANCORP INC.

                                        By: /s/ Jane Neal
                                        Title: Executive Vice Pres.
                                        Date: 12/13/2001

                                      A-128
<PAGE>

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