Document:

Exhibit 10.19
Split-Dollar  Agreement between NBT Bancorp Inc., NBT Bank, National Association
     and  Daryl  R.  Forsythe  made  August  22,  1995.

                                      II-35
<PAGE>
                             SPLIT-DOLLAR AGREEMENT

     THIS AGREEMENT (the "Agreement") is made and entered into as of this 28 day
of January, 2002, by and among NBT Bancorp Inc., a Delaware corporation, and NBT
Bank, N.A., a national banking association organized under the laws of the
United States (collectively, the "Bank"), and Daryl R. Forsythe, an individual
residing in the State of New York (the "Employee").

     WHEREAS, the Employee is employed by the Bank as its president and chief
executive officer;

     WHEREAS, the Employee wishes to provide additional life insurance
protection for his family in the event of his death;

     WHEREAS, the Bank is willing to pay the premiums due on a policy of life
insurance as an employment benefit for the Employee, on the terms and conditions
hereinafter set forth;

     WHEREAS, the Bank and the Employee have applied for Insurance Policy Number
28105185 on the life of the Employee (the "Policy") from New England Financial
(the "Insurer") in the face amount of $1,500,000, pursuant to which the Bank
will be the owner of the Policy;

     WHEREAS, the Bank and the Employee agree to make the Policy subject to this
Agreement; and

     WHEREAS, it is understood and agreed that this Agreement is to be effective
as of the date on which the Policy is issued by the Insurer.

     NOW, THEREFORE, in consideration of the premises and of the mutual promises
contained herein, the parties hereto agree as follows:

     1. INSURANCE POLICY. The Bank shall purchase the Policy from the Insurer
and shall be the sole and absolute owner of the Policy. The parties agree that
the Policy shall be subject to the terms of this Agreement and of the
endorsement to the Policy filed with the Insurer to implement the provisions of
this Agreement. The Bank may exercise all ownership rights granted to the owner
of the Policy by the terms thereof, except as otherwise provided in this
Agreement. The Bank shall be the direct beneficiary of the total death proceeds,
less $1,000,000.00 (the "Bank's Interest in the Policy"). The Bank will keep
possession of the Policy. The Bank agrees to make the Policy available at
reasonable times to the Employee or the Insurer for the purpose of endorsing or
filing any change of beneficiary on the Policy for the portion of the death
proceeds that is in excess of the Bank's Interest in the Policy, but the Policy
shall thereafter be promptly returned to the Bank. Any indebtedness on the
Policy will first be deducted from the proceeds payable to the Bank. Also, any
collateral assignment made by the Bank will be deducted from the proceeds
payable to it. The Employee shall be entitled to designate the beneficiary or
beneficiaries of the remainder of the Policy death proceeds in excess of the
Bank's Interest in the Policy.

     2. ELECTION OF SETTLEMENT OPTION AND BENEFICIARY. By notice to the Bank,
the Employee may select the settlement option for payment of, and the
beneficiary or beneficiaries to receive, the portion of the death benefit
provided under the Policy in excess of the Bank's Interest in the Policy. Upon
receipt of such notice, the Bank shall execute and deliver to the Insurer the
forms necessary to elect the requested settlement option and to designate the
requested person, persons or entity as the beneficiary or beneficiaries to
receive such portion of the death proceeds of the Policy. The parties hereto
agree to take all actions necessary to cause the beneficiary designation and
settlement election provisions of the Policy to conform to the provisions
hereof. The Bank shall not terminate, alter or amend such designation or
election without the express written consent of the Employee.

     3. POLICY DIVIDENDS. Any dividend declared on the Policy shall be applied
to reduce premiums on the Policy.

     4. PAYMENT OF PREMIUMS. The Bank shall pay a sufficient amount of premiums
to the Insurer to maintain the Policy in force, and shall, upon request, provide
evidence to the Employee that the Policy remains in force. The Bank shall
annually furnish the Employee a statement of the amount of income reportable by
the Employee for federal and state income tax purposes, as a result of the
insurance protection provided the Employee.

                                      II-36
<PAGE>
     5. LIMITATION ON THE BANK'S RIGHTS IN THE POLICY. The Employee will have
rights set out in Section 2 hereof with respect to the death benefit provided
under the Policy in excess of the Bank's Interest in the Policy. The Bank shall
not sell, surrender, change the insured or assign or transfer ownership of the
Policy except after termination of the Agreement pursuant to Section 6 hereof,
other than for the purpose of obtaining a loan against the Policy. The aggregate
amount of such loans, together with the unpaid interest accrued thereon, will at
no time exceed the lesser of (a) the Bank's Interest in the Policy or (b) the
loan value of the Policy as determined by the Insurer. The Bank will not take
any action dealing with the Insurer that would impair any right or interest of
the Employee in the Policy. Without limiting the foregoing, following
termination of this Agreement, to the extent permitted by the Policy, the Bank
may designate any officer or other employee of the Bank as the insured under the
Policy and may continue this Agreement with such officer or employee. The
exercise by the Bank of the right to surrender the policy or to change the
insured will terminate the rights of the Employee in the Policy.

     6. TERMINATION OF THE AGREEMENT DURING THE EMPLOYEE'S LIFETIME. This
Agreement may be terminated at any time while the Employee is living by a
written instrument signed by the Bank and the Employee, provided, that the Bank
may terminate this Agreement by written notice to the Employee at any time after
the Employee has ceased to be the Chairman of the Bank other than because of his
death; and, in any event, this Agreement will terminate upon termination of the
Employee's employment with the Bank for any reason whatsoever other than
Employee's death.

     7. INSURER NOT A PARTY. The Insurer shall be fully discharged from its
obligations under the Policy by payment of the Policy death benefit to the
beneficiary or beneficiaries named in the Policy, subject to the terms and
conditions of the Policy. In no event shall the Insurer be considered a party to
this Agreement, or any modification or amendment hereof. No provision of this
Agreement, nor of any modification or amendment hereof, shall in any way be
construed as enlarging, changing, varying, or in any other way affecting the
obligations of the Insurer as expressly provided in the Policy, except insofar
as the provisions hereof are made a part of the Policy by the beneficiary
designation executed by the Bank and filed with the Insurer in connection
herewith. The Insurer shall not be obligated to inquire as to the distribution
of any monies payable or paid by it under the Policy on the Employee's life
pursuant to the terms of this Agreement.

     8. ASSIGNMENT BY THE EMPLOYEE. Notwithstanding any provision hereof to the
contrary, the Employee shall have the right to absolutely and irrevocably assign
by gift all of his right, title and interest in and to this Agreement and to the
Policy to an assignee. This right shall be exercisable by the execution and
delivery to the Bank of a written assignment, in the form provided by the Bank.
Upon receipt of such written assignment executed by the Employee and duly
accepted by the assignee thereof, the Bank shall consent thereto in writing, and
shall thereafter treat the Employee's assignee as the sole owner of all of the
Employee's right, title and interest in and to this Agreement and in and to the
Policy. Thereafter the Employee shall have no right, title or interest in and to
this Agreement or the Policy, all such rights being vested in and exercisable
only by such assignee.

     9. NAMED FIDUCIARY, DETERMINATION OF BENEFITS, CLAIMS PROCEDURE AND
ADMINISTRATION.

     a.  The Bank is hereby designated as the named fiduciary under this
Agreement.  The named fiduciary shall have authority to control and manage the
operation and administration of this Agreement, and it shall be responsible for
establishing and carrying out a funding policy and method consistent with the
objectives of this Agreement.

          b.   (1)  Claim.

          A person who believes that he or she is being denied a benefit to
which he or she is entitled under this Agreement (hereinafter referred to as a
"Claimant") may file a written request for such benefit with the Bank, setting
forth his or his claim.  The request must be addressed to the general counsel of
the Bank at its then principal place of business.

     (2)  Claim Decision.

          Upon receipt of a claim, the Bank shall advise the Claimant that a
reply will be forthcoming within 90 days and shall, in fact, deliver such reply
within such period.  The Bank may, however, extend the reply period for an
additional 90 days for reasonable cause.

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<PAGE>
     If the claim is denied in whole or in part, the Bank shall adopt a written
opinion, using language calculated to be understood by the Claimant, setting
forth: (a) the specific reason or reasons for such denial; (b) the specific
reference to pertinent provisions of this Agreement on which such denial is
based; (c) a description of any additional material or information necessary for
the Claimant to perfect his or his claim and an explanation why such material or
such information is necessary; (d) appropriate information as to the steps to be
taken if the Claimant wishes to submit the claim for review; and (e) the time
limits for requesting a review under subsection (3) and for review under
subsection (4) hereof.

     (3)  Request  for  Review.

     Within 60 days after the receipt by the Claimant of the written opinion
described above, the Claimant may request in writing that the Bank review the
determination of the Bank.  Such request must be addressed to the general
counsel of the Bank, at its then principal place of business.  The Claimant or
his or her duly authorized representative may, but need not, review the
pertinent documents and submit issues and comments in writing for consideration
by the Bank.  If the Claimant does not request a review of the Bank's
determination within such 60 day period, he or she shall be barred and estopped
from challenging the Bank's determination.

     (4)  Review  of  Decision.

     Within 60 days after the general counsel's receipt of a request for review,
he or she will review the Bank's determination.  After considering all materials
presented by the Claimant, the general counsel will render a written opinion,
written in a manner calculated to be understood by the Claimant, setting forth
the specific reasons for the decision and containing specific references to the
pertinent provisions of this Agreement on which the decision is based.  If
special circumstances require that the 60 day time period be extended, the
Secretary will so notify the Claimant and will render the decision as soon as
possible, but no later than 120 days after receipt of the request for review.

     10. AMENDMENT. This Agreement may not be amended, altered or modified,
except by a written instrument signed by the parties hereto, or their respective
successors or assigns, and may not be otherwise terminated except as provided
herein.

     11. BINDING EFFECT. This Agreement shall be binding upon and inure to the
benefit of the Bank and its successors and assigns, and the Employee, his
successors, assigns, heirs, executors, administrators and beneficiaries.

     12. NOTICES. Any notice, consent or demand required or permitted to be
given under the provisions of this Agreement shall be in writing, and shall be
signed by the party giving or making the same. If such notice, consent or demand
is mailed to a party hereto, it shall be sent by United States certified mail,
postage prepaid, addressed to such party's last known address as shown on the
records of the Bank. The date of such mailing shall be deemed the date of
notice, consent or demand.

     13. GOVERNING LAW. This Agreement, and the rights of the parties hereunder,
shall be governed by and construed in accordance with the laws of the United
States, to the extent applicable, and otherwise by the laws of the State of New
York applicable to contracts entered into and performed wholly within its
borders.

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

                                NBT BANCORP INC.

                                By: /s/ Andrew Kowalczyk Jr. 1/28/02

                                        Title: Chairman Compensation Committee

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<PAGE>
                                NBT BANK, NATIONAL ASSOCIATION

                                By: /s/ Michael J. Chewens

                                        Its:  Secretary 1/28/02

                                DARYL R. FORSYTHE

                               /s/  Daryl  R.  Forsythe 1/28/02

                                      II-39
<PAGE>Exhibit  10.21

Form of Employment Agreement between NBT Bancorp Inc. and Martin A. Dietrich

made  as  of  January  1,  2002.

                                      II-40
<PAGE>
                         EMPLOYMENT AGREEMENT (REVISED)

     This EMPLOYMENT AGREEMENT (the "Agreement") made and entered into this
first day of January, 2000 and revised on January 1, 2002, by and between MARTIN
A. DIETRICH ("Executive") and NBT BANCORP INC., a Delaware corporation having
its principal office in Norwich, New York ("NBTB")

                         W I T N E S S E T H   T H A T :

     WHEREAS, Executive is the president and chief operating officer and a
director of NBT Bank, National Association, a national banking association which
is a wholly-owned subsidiary of NBTB ("NBT Bank");

     WHEREAS, NBTB desires to secure the continued employment of Executive,
subject to the provisions of this Agreement; and

     WHEREAS, Executive is desirous of entering into the Agreement for such
periods and upon the terms and conditions set forth herein;

     NOW, THEREFORE, in consideration of the premises and mutual covenants and
agreements hereinafter set forth, intending to be legally bound, the parties
agree as follows:

     1.   Employment;  Responsibilities  and  Duties.
          ------------------------------------------

          (a)  NBTB  hereby  agrees  to  cause NBT Bank to employ Executive, and
Executive hereby agrees to serve as the president and chief operating officer of
NBT Bank, during the Term of Employment.  Executive shall have such executive
duties, responsibilities, and authority as shall be set forth in the bylaws of
NBT Bank or as may otherwise be determined by NBTB or by NBT Bank.  During the
Term of Employment, Executive shall report directly to the chief executive
officer of NBTB.

          (b)  NBTB  hereby  agrees  to  cause  Executive to be reelected to the
board of directors of NBT Bank for successive terms throughout the Term of
Employment.

          (c)  Executive  shall  devote  his  full working time and best efforts
to the performance of his responsibilities and duties hereunder.  During the
Term of Employment, Executive shall not, without the prior written consent of
the chief executive officer of NBTB, render services as an employee, independent
contractor, or otherwise, whether or not compensated, to any person or entity
other than NBTB or its affiliates; provided that Executive may, where
involvement in such activities does not individually or in the aggregate
significantly interfere with the performance by Executive of his duties or
violate the provisions of section 4 hereof, (i) render services to charitable
organizations, (ii) manage his personal investments, and (iii) with the prior
permission of the chief executive officer of NBTB, hold such other directorships
or part-time academic appointments or have such other business affiliations as
would otherwise be prohibited under this section 1.

     2.   Term  of  Employment.
          --------------------

          (a)  The  term  of  this Agreement ("Term of Employment") shall be the
period commencing on the date of this Agreement (the "Commencement Date") and
continuing until the Termination Date, which shall mean the earliest to occur
of:

               (i) JANUARY 1, 2005, PROVIDED, HOWEVER, THAT ON JANUARY 1, 2003,
          AND ON EACH JANUARY 1 THEREAFTER, THE TERM OF EMPLOYMENT SHALL
          AUTOMATICALLY EXTEND ITSELF BY ONE ADDITIONAL YEAR;

                    (ii) the  death  of  Executive;

                    (iii) Executive's inability to perform his duties hereunder,
as a result of physical or mental disability as reasonably determined by the
personal physician of Executive, for a period of at least 180 consecutive days
or for at least 180 days during any period of twelve consecutive months during
the Term of Employment; or

                                      II-41
<PAGE>
                    (iv) the  discharge  of Executive by NBTB "for cause," which
shall mean one or more of the following:

                         (A)  any  willful or gross misconduct by Executive with
respect to the business and affairs of NBTB or NBT Bank, or with respect to any
of its affiliates for which Executive is assigned material responsibilities or
duties;

                         (B)  the conviction of Executive of a felony (after the
earlier of the expiration of any applicable appeal period without perfection of
an appeal by Executive or the denial of any appeal as to which no further appeal
or review is available to Executive) whether or not committed in the course of
his employment by NBTB;

                         (C)  Executive's  willful  neglect, failure, or refusal
to carry out his duties hereunder in a reasonable manner (other than any such
failure resulting from disability or death or from termination by Executive for
Good Reason, as hereinafter defined) after a written demand for substantial
performance is delivered to Executive that specifically identifies the manner in
which NBTB believes that Executive has not substantially performed his duties
and Executive has not resumed substantial performance of his duties on a
continuous basis within thirty days of receiving such demand; or

                         (D)  the  breach  by Executive of any representation or
warranty in section 6(a) hereof or of any agreement contained in section 1, 4,
5, or 6(b) hereof, which breach is material and adverse to NBTB or any of its
affiliates for which Executive is assigned material responsibilities or duties;
or

                    (v)  Executive's  resignation from his position as president
and chief operating officer of NBT Bank other than for "Good Reason," as
hereinafter defined; or

                    (vi) the  termination  of  Executive's  employment  by  NBTB
"without cause," which shall be for any reason other than those set forth in
subsections (i), (ii), (iii), (iv), or (v) of this section 2(a), at any time,
upon the thirtieth day following notice to Executive; or

                    (vii)  Executive's  resignation  for  "Good  Reason."

"Good Reason" shall mean, without Executive's express written consent,
reassignment of Executive to a position other than as president and chief
operating officer of NBT Bank other than for "Cause," or a decrease in the
amount or level of Executive's salary or benefits from the amount or level
established in section 3 hereof.

          (b)  In  the  event  that  the  Term of Employment shall be terminated
for any reason other than that set forth in section 2(a)(vi) or 2(a)(vii)
hereof, Executive shall be entitled to receive, upon the occurrence of any such
event:

                    (i)  any salary (as hereinafter defined) payable pursuant to
section 3(a)(i) hereof which shall have accrued as of the Termination Date; and

                    (ii) such  rights  as Executive shall have accrued as of the
Termination Date under the terms of any plans or arrangements in which he
participates pursuant to section 3(b) hereof, any right to reimbursement for
expenses accrued as of the Termination Date payable pursuant to section 3(h)
hereof, and the right to receive the cash equivalent of paid annual leave and
sick leave accrued as of the Termination Date pursuant to section 3(d) hereof.

          (c)  In  the  event  that  the  Term of Employment shall be terminated
for the reason set forth in section 2(a)(vi) or 2(a)(vii) hereof, Executive
shall be entitled to receive:

                    (i)  any  salary  payable pursuant to section 3(a)(i) hereof
which shall have accrued as of the Termination Date, and, for the period
commencing on the date immediately following the Termination Date and ending
upon and including the latest of January 1, 2005, the date to which the Term of
Employment shall (as of the Termination Date) have automatically extended itself

                                      II-42
<PAGE>
under section 2(a)(i) hereof, or the second anniversary of the Termination Date,
salary payable at the rate established pursuant to section 3(a)(i) hereof, in a
manner consistent with the normal payroll practices of NBTB with respect to
executive personnel as presently in effect or as they may be modified by NBTB
from time to time; and

                    (ii) such  rights  as  Executive  may have accrued as of the
Termination Date under the terms of any plans or arrangements in which he
participates pursuant to section 3(b) hereof, any right to reimbursement for
expenses accrued as of the Termination Date payable pursuant to section 3(h)
hereof, and the right to receive the cash equivalent of paid annual leave and
sick leave accrued as of the Termination Date pursuant to section 3(d) hereof.

          (d)  Any  provision  of  this  section  2  to  the  contrary
notwithstanding, in the event that the employment of Executive with NBTB is
terminated in any situation described in section 3 of the change-in-control
letter agreement dated July 23, 2001 between NBTB and Executive (the
"Change-in-Control Agreement") so as to entitle Executive to a severance payment
and other benefits described in section 3 of the Change-in-Control Agreement,
then Executive shall be entitled to receive the following, and no more, under
this section 2:

                    (i)  any  salary  payable pursuant to section 3(a)(i) hereof
which shall have accrued as of the Termination Date;

                    (ii) such  rights  as Executive shall have accrued as of the
Termination Date under the terms of any plans or arrangements in which he
participates pursuant to section 3(b) hereof, any right to reimbursement for
expenses accrued as of the Termination Date payable pursuant to section 3(h)
hereof, and the right to receive the cash equivalent of paid annual leave and
sick leave accrued as of the Termination Date pursuant to section 3(d) hereof;
and

                    (iii)  the  severance payment and other benefits provided in
the Change-in-Control Agreement.

     3.     Compensation.  For the services to be performed by Executive for
            ------------
NBTB and its affiliates under this Agreement, Executive shall be compensated in
the following manner:

          (a)  Salary.  During  the  Term  of  Employment:
               ------

                    (i)  NBTB  shall  pay Executive a salary which, on an annual
basis, shall not be less than $260,000 during 2002.  Salary shall be payable in
accordance with the normal payroll practices of NBTB with respect to executive
personnel as presently in effect or as they may be modified by NBTB from time to
time.

                    (ii) Executive  shall be entitled to annual salary increases
of 8 percent during the Term of Employment, beginning in 2003, and shall be
eligible to be considered for further salary increases, upon review, in
accordance with the compensation policies of NBTB with respect to executive
personnel as presently in effect or as they may be modified by NBTB from time to
time.

                    (iii)  Executive  shall  be  eligible  to  be considered for
performance bonuses commensurate with the Executive's title and salary grade, in
accordance with the compensation policies of NBTB with respect to executive
personnel as presently in effect or as they may be modified by NBTB from time to
time.

          (b)  Employee  Benefit  Plans  or  Arrangements.  During  the  Term of
               ------------------------------------------
Employment, Executive shall be entitled to participate in all employee benefit
plans of NBTB, as presently in effect or as they may be modified by NBTB from
time to time, under such terms as may be applicable to officers of Executive's
rank employed by NBTB or its affiliates, including, without limitation, plans
providing retirement benefits, stock options, medical insurance, life insurance,
disability insurance, and accidental death or dismemberment insurance, provided
that there be no duplication of such benefits as are provided under any other
provision of this Agreement.

          (c)  Stock  Options.  Each  January  or  February  annually during the
               --------------
Term of Employment, NBTB will cause Executive to be granted a non-statutory
("non-qualified") stock option (each an "Option") to purchase the number of
shares of the common stock of NBTB, $0.01 par value (the "NBTB Common Stock"),
pursuant to the NBT Bancorp Inc. 1993 Stock Option Plan, as amended, or any
appropriate successor plan (the "Stock Option Plan"), computed using a formula
approved by NBTB that is commensurate with the Executive's title and salary
grade.   The option exercise price per share of the shares subject to each
Option shall be such Fair Market Value, and the terms, conditions of exercise,
and vesting schedule of such Option shall be as set forth in section 8 of the
Stock Option Plan.

                                      II-43
<PAGE>
          (d)  Vacation  and  Sick  Leave.  During  the  Term  of  Employment,
               --------------------------
Executive shall be entitled to paid annual vacation periods and sick leave in
accordance with the policies of NBTB as in effect as of the Commencement Date or
as may be modified by NBTB from time to time as may be applicable to officers of
Executive's rank employed by NBTB or its affiliates, but in no event less than
four weeks of paid vacation per year.

          (e)  Automobile.  During  the  Term  of Employment, Executive shall be
               ----------
entitled to the use of an automobile owned by NBTB or an affiliate of NBTB, the
make, model, and year of which automobile shall be appropriate to an officer of
Executive's rank employed by NBTB or its affiliates and consistent with that
provided to others of Executive's rank employed by NBTB or its affiliates.
During the second year of the Term of Employment, the automobile used by
Executive will be replaced with a new automobile, whose value shall not exceed
$45,000 escalated by an amount calculated by the controller's division of NBT
Bank to adjust for the effect of inflation upon $45,000 between the Commencement
Date and the date of the replacement of the vehicle (an "Inflation Adjustment").
During the remaining term of the Term of Employment, should three years elapse
from the date of the automobile replacement described in the previous sentence
(or any subsequent automobile replacement that takes place under this section),
or, if earlier, should the replaced automobile (or any automobile provided under
such subsequent automobile replacement) have accumulated 50,000 miles, then it
will be replaced with a new automobile whose value shall not exceed the sum of
$45,000 and an Inflation Adjustment.  Executive shall be responsible for all
expenses of ownership and use of any such automobile, subject to reimbursement
of expenses for business use in accordance with section 3(h).

          (f)  Country  Club  Dues.  During  the  Term  of Employment, Executive
               -------------------
shall be reimbursed for dues and assessments incurred in relation to Executive's
membership at a country club mutually agreed upon by NBTB and the Executive.

          (g)  Withholding.  All  compensation  to  be  paid  to  Executive
               -----------
hereunder shall be subject to required withholding and other taxes.

          (h)  Expenses.  During  the  Term  of  Employment,  Executive shall be
               --------
reimbursed for reasonable travel and other expenses incurred or paid by
Executive in connection with the performance of his services under this
Agreement, upon presentation of expense statements or vouchers or such other
supporting information as may from time to time be requested, in accordance with
such policies of NBTB as are in effect as of the Commencement Date and as may be
modified by NBTB from time to time, under such terms as may be applicable to
officers of Executive's rank employed by NBTB or its affiliates.
     4.     Confidential Business Information; Non-Competition.
            --------------------------------------------------

          (a)  Executive  acknowledges  that  certain business methods, creative
techniques, and technical data of NBTB and its affiliates and the like are
deemed by NBTB to be and are in fact confidential business information of NBTB
or its affiliates or are entrusted to third parties.  Such confidential
information includes but is not limited to procedures, methods, sales
relationships developed while in the service of NBTB or its affiliates,
knowledge of customers and their requirements, marketing plans, marketing
information, studies, forecasts, and surveys, competitive analyses, mailing and
marketing lists, new business proposals, lists of vendors, consultants, and
other persons who render service or provide material to NBTB or NBT Bank or
their affiliates, and compositions, ideas, plans, and methods belonging to or
related to the affairs of NBTB or NBT Bank or their affiliates.  In this regard,
NBTB asserts proprietary rights in all of its business information and that of
its affiliates except for such information as is clearly in the public domain.
Notwithstanding the foregoing, information that would be generally known or
available to persons skilled in Executive's fields shall be considered to be
"clearly in the public domain" for the purposes of the preceding sentence.
Executive agrees that he will not disclose or divulge to any third party, except
as may be required by his duties hereunder, by law, regulation, or order of a
court or government authority, or as directed by NBTB, nor shall he use to the
detriment of NBTB or its affiliates or use in any business or on behalf of any
business competitive with or substantially similar to any business of NBTB or
NBT Bank or their affiliates, any confidential business information obtained
during the course of his employment by NBTB.  The foregoing shall not be
construed as restricting Executive from disclosing such information to the
employees of NBTB or NBT Bank or their affiliates.  On or before the Termination
Date, Executive shall promptly deliver to NBTB any and all tangible,
confidential information in his position.

                                      II-44
<PAGE>
          (b)  Executive  hereby  agrees  that  from the Commencement Date until
the first anniversary of the Termination Date, Executive will not (i) interfere
with the relationship of NBTB or NBT Bank or its affiliates with any of their
employees, suppliers, agents, or representatives (including, without limitation,
causing or helping another business to hire any employee of NBTB or NBT Bank or
its affiliates), or (ii) directly or indirectly divert or attempt to divert from
NBTB or NBT Bank or its affiliates any business in which any of them has been
actively engaged during the Term of Employment, nor interfere with the
relationship of NBTB or NBT Bank or its affiliates with any of their customers
or prospective customers.  This paragraph 4(b) shall not, in and of itself,
prohibit Executive from engaging in the banking, trust, or financial services
business in any capacity, including that of an owner or employee.

          (c)  Executive  acknowledges  and  agrees that irreparable injury will
result to NBTB in the event of a breach of any of the provisions of this section
4 (the "Designated Provisions") and that NBTB will have no adequate remedy at
law with respect thereto.  Accordingly, in the event of a material breach of any
Designated Provision, and in addition to any other legal or equitable remedy
NBTB may have, NBTB shall be entitled to the entry of a preliminary and
permanent injunction (including, without limitation, specific performance) by a
court of competent jurisdiction in Chenango County, New York, or elsewhere, to
restrain the violation or breach thereof by Executive, and Executive submits to
the jurisdiction of such court in any such action.

          (d)  It  is  the  desire and intent of the parties that the provisions
of this section 4 shall be enforced to the fullest extent permissible under the
laws and public policies applied in each jurisdiction in which enforcement is
sought.  Accordingly, if any particular provision of this section 4 shall be
adjudicated to be invalid or unenforceable, such provision shall be deemed
amended to delete therefrom the portion thus adjudicated to be invalid or
unenforceable, such deletion to apply only with respect to the operation of such
provision in the particular jurisdiction in which such adjudication is made.  In
addition, should any court determine that the provisions of this section 4 shall
be unenforceable with respect to scope, duration, or geographic area, such court
shall be empowered to substitute, to the extent enforceable, provisions similar
hereto or other provisions so as to provide to NBTB, to the fullest extent
permitted by applicable law, the benefits intended by this section 4.

     5.     Life Insurance.  In light of the unusual abilities and experience of
            --------------
Executive, NBTB in its discretion may apply for and procure as owner and for its
own benefit insurance on the life of Executive, in such amount and in such form
as NBTB may choose.  NBTB shall make all payments for such insurance and shall
receive all benefits from it.  Executive shall have no interest whatsoever in
any such policy or policies but, at the request of NBTB, shall submit to medical
examinations and supply such information and execute such documents as may
reasonably be required by the insurance company or companies to which NBTB has
applied for insurance.

     6.     Representations and Warranties.
            ------------------------------

          (a)  Executive  represents  and  warrants  to NBTB that his execution,
delivery, and performance of this Agreement will not result in or constitute a
breach of or conflict with any term, covenant, condition, or provision of any
commitment, contract, or other agreement or instrument, including, without
limitation, any other employment agreement, to which Executive is or has been a
party.

          (b)  Executive  shall  indemnify,  defend, and hold harmless NBTB for,
from, and against any and all losses, claims, suits, damages, expenses, or
liabilities, including court costs and counsel fees, which NBTB has incurred or
to which NBTB may become subject, insofar as such losses, claims, suits,
damages, expenses, liabilities, costs, or fees arise out of or are based upon
any failure of any representation or warranty of Executive in section 6(a)
hereof to be true and correct when made.

     7.     Notices.  All notices, consents, waivers, or other communications
            -------
which are required or permitted hereunder shall be in writing and deemed to have
been duly given if delivered personally or by messenger, transmitted by telex or
telegram, by express courier, or sent by registered or certified mail, return
receipt requested, postage prepaid.  All communications shall be addressed to
the appropriate address of each party as follows:

                                      II-45
<PAGE>
If to NBTB:

     NBT Bancorp Inc.
     52 South Broad Street
     Norwich, New York  13815

     Attention:     Mr. Daryl R. Forsythe
                    President and Chief Executive Officer

With a required copy to:

     NBT BANCORP INC. CORPORATE COUNSEL

If to Executive:

     Mr. Martin A. Dietrich
     155 Serenity Drive
     Norwich, New York  13815

All such notices shall be deemed to have been given on the date delivered,
transmitted, or mailed in the manner provided above.

     8.     Assignment.  Neither party may assign this Agreement or any rights
            ----------
or obligations hereunder without the consent of the other party.

     9.     Governing Law.  This Agreement shall be governed by, construed, and
            -------------
enforced in accordance with the laws of the State of New York, without giving
effect to the principles of conflict of law thereof.  The parties hereby
designate Chenango County, New York to be the proper jurisdiction and venue for
any suit or action arising out of this Agreement.  Each of the parties consents
to personal jurisdiction in such venue for such a proceeding and agrees that it
may be served with process in any action with respect to this Agreement or the
transactions contemplated thereby by certified or registered mail, return
receipt requested, or to its registered agent for service of process in the
State of New York.  Each of the parties irrevocably and unconditionally waives
and agrees, to the fullest extent permitted by law, not to plead any objection
that it may now or hereafter have to the laying of venue or the convenience of
the forum of any action or claim with respect to this Agreement or the
transactions contemplated thereby brought in the courts aforesaid.

     10.     Entire Agreement.  This Agreement constitutes the entire
             ----------------
understanding among NBTB and Executive relating to the subject matter hereof.
Any previous agreements or understandings between the parties hereto or between
Executive and NBT Bank or any of its affiliates regarding the subject matter
hereof, including without limitation the terms and conditions of employment,
compensation, benefits, retirement, competition following employment, and the
like, are merged into and superseded by this Agreement.  Neither this Agreement
nor any provisions hereof can be modified, changed, discharged, or terminated
except by an instrument in writing signed by the party against whom any waiver,
change, discharge, or termination is sought.

     11.     Illegality; Severability.
             ------------------------

          (a)  Anything  in  this  Agreement  to  the  contrary notwithstanding,
this Agreement is not intended and shall not be construed to require any payment
to Executive which would violate any federal or state statute or regulation,
including without limitation the "golden parachute payment regulations" of the
Federal Deposit Insurance Corporation codified to Part 359 of title 12, Code of
Federal Regulations.

          (b)  If  any  provision  or provisions of this Agreement shall be held
to be invalid, illegal, or unenforceable for any reason whatsoever:

                    (i)  the  validity,  legality,  and  enforceability  of  the
remaining provisions of this Agreement (including, without limitation, each
portion of any section of this Agreement containing any such provision held to
be invalid, illegal, or unenforceable) shall not in any way be affected or
impaired thereby; and

                                      II-46
<PAGE>
                    (ii) to  the fullest extent possible, the provisions of this
Agreement (including, without limitation, each portion of any section of this
Agreement containing any such provisions held to be invalid, illegal, or
unenforceable) shall be construed so as to give effect to the intent manifested
by the provision held invalid, illegal, or unenforceable.

     12.     Arbitration.  Subject to the right of each party to seek specific
             -----------
performance (which right shall not be subject to arbitration), if a dispute
arises out of or related to this Agreement, or the breach thereof, such dispute
shall be referred to arbitration in accordance with the Commercial Arbitration
Rules of the American Arbitration Association ("AAA").  A dispute subject to the
provisions of this section will exist if either party notifies the other party
in writing that a dispute subject to arbitration exists and states, with
reasonable specificity, the issue subject to arbitration (the "Arbitration
Notice").  The parties agree that, after the issuance of the Arbitration Notice,
the parties will try in good faith to resolve the dispute by mediation in
accordance with the Commercial Rules of Arbitration of AAA between the date of
the issuance of the Arbitration Notice and the date the dispute is set for
arbitration.  If the dispute is not settled by the date set for arbitration,
then any controversy or claim arising out of this Agreement or the breach hereof
shall be resolved by binding arbitration and judgment upon any award rendered by
arbitrator(s) may be entered in a court having jurisdiction.  Any person serving
as a mediator or arbitrator must have at least ten years' experience in
resolving commercial disputes through arbitration.  In the event any claim or
dispute involves an amount in excess of $100,000, either party may request that
the matter be heard by a panel of three arbitrators; otherwise all matters
subject to arbitration shall be heard and resolved by a single arbitrator.  The
arbitrator shall have the same power to compel the attendance of witnesses and
to order the production of documents or other materials and to enforce discovery
as could be exercised by a United States District Court judge sitting in the
Northern District of New York.  In the event of any arbitration, each party
shall have a reasonable right to conduct discovery to the same extent permitted
by the Federal Rules of Civil Procedure, provided that such discovery shall be
concluded within ninety days after the date the matter is set for arbitration.
In the event of any arbitration, the arbitrator or arbitrators shall have the
power to award reasonable attorney's fees to the prevailing party.  Any
provision in this Agreement to the contrary notwithstanding, this section shall
be governed by the Federal Arbitration Act and the parties have entered into
this Agreement pursuant to such Act.

     13.     Costs of Litigation.  In the event litigation is commenced to
             -------------------
enforce any of the provisions hereof, or to obtain declaratory relief in
connection with any of the provisions hereof, the prevailing party shall be
entitled to recover reasonable attorney's fees.  In the event this Agreement is
asserted in any litigation as a defense to any liability, claim, demand, action,
cause of action, or right asserted in such litigation, the party prevailing on
the issue of that defense shall be entitled to recovery of reasonable attorney's
fees.

     14.     Affiliation.  A company will be deemed to be "affiliated" with NBTB
             -----------
or NBT Bank according to the definition of "Affiliate" set forth in Rule 12b-2
of the General Rules and Regulations under the Securities Exchange Act of 1934,
as amended.

     15.     Headings.  The section and subsection headings herein have been
             --------
inserted for convenience of reference only and shall in no way modify or
restrict any of the terms or provisions hereof.

                                      II-47
<PAGE>

     IN WITNESS WHEREOF, the parties hereto executed or caused this Agreement to
be executed as of the day and year first above written.

                                         NBT BANCORP INC.

                                         By: /s/ Daryl R. Forsythe
DARYL  R.  FORSYTHE
CHAIRMAN,  PRESIDENT  AND
CHIEF  EXECUTIVE  OFFICER

                                         MARTIN A. DIETRICH

                                         /s/  Martin  A.  Dietrich

                                      II-48
<PAGE>

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