Jurisdiction of Incorporation		Names Under Which Subsidiary does Business
NBT Bancorp Inc. Subsidiaries:
NBT Bank, National Association		Organized in the United States of America		NBT Bank
NBT Financial Services, Inc.		Delaware		NBT Financial Services
CNBF Capital Trust I		Delaware		CNBF Capital Trust I
NBT Statutory Trust I		Delaware		NBT Statutory Trust I
NBT Statutory Trust II		Delaware		NBT Statutory Trust II
NBT Holdings, Inc.		New York		NBT Holdings
Alliance Financial Capital Trust I		Delaware		Alliance Financial Capital Trust I
Alliance Financial Capital Trust II		Delaware		Alliance Financial Capital Trust II

Evans Capital Trust I		Delaware		Evans Capital Trust I
NBT Bank, National Association Subsidiaries:
NBT Capital Corp.		New York		NBT Capital Corp
NBT Capital Management, Inc.		New York		NBT Capital Management
Broad Street Property Associates, Inc.		New York		Broad Street Property Associates
FNB Financial Services, Inc.		Delaware		FNB Financial Services
SBT Mortgage Service Corporation		Connecticut		SBT Mortgage Service Corporation
S.B.T. Realty, Incorporated		New York		S.B.T. Realty
Evans National Holding Corp.		New York		Evans National Holding Corp.
ENB Employers Insurance Trust		New York		ENB Employers Insurance Trust
NBT Financial Services, Inc. Subsidiaries:
Pennstar Financial Services, Inc.		Pennsylvania		Pennstar Financial Services
EPIC Advisors, Inc.		New York		EPIC Retirement Plan Services
NBT Holdings, Inc. Subsidiaries:
NBT Insurance Agency, LLC		New York		NBT Insurance Agency