SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2003 NBT BANCORP INC. -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) DELAWARE 0-14703 16-1268674 ---------------------------- ------------- ------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 52 SOUTH BROAD STREET, NORWICH, NEW YORK 13815 ------------------------------------------- (Address of principal executive offices) Registrant's telephone number, including area code: (607) 337-2265 -------------- NOT APPLICABLE -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS. ---------------------------------- (a) Not Applicable (b) Not Applicable (c) The following exhibit is furnished as a part of this report: Exhibit No. Description ----------- ----------- 99 Press Release dated July 28, 2003. ITEM 9. REGULATION FD DISCLOSURE. ------------------------- Information being provided under Item 12 On July 28, 2003, NBT Bancorp Inc. issued a press release describing its results of operations for the six months and quarter ending June 30, 2003 as well as announcing a dividend declaration to be paid on September 15, 2003 to shareholders of record on September 1, 2003. That press release is furnished as Exhibit 99 hereto. This information is being furnished pursuant to Item 12 of Form 8-K and is being presented under Item 9 as provided in the Commission's interim guidance regarding Form 8-K Item 11 and Item 12 filing requirements (Release No. 34-47583). SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. NBT BANCORP INC. ------------------------------ (Registrant) /s/ Michael J. Chewens ------------------------------ Michael J. Chewens Senior Executive Vice President, Chief Financial Officer and Corporate Secretary Date: July 28, 2003 EXHIBIT INDEX ------------- Exhibit No. Description ----------- ----------- 99 Press Release dated July 28, 2003.