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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001181431-03-015874.txt : 20030729
<SEC-HEADER>0001181431-03-015874.hdr.sgml : 20030729
<ACCEPTANCE-DATETIME>20030729131659
ACCESSION NUMBER:		0001181431-03-015874
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030729
FILED AS OF DATE:		20030729

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NB&T FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0000908837
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				311004998
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		48 NORTH SOUTH ST
		CITY:			WILMINGTON
		STATE:			OH
		ZIP:			45177
		BUSINESS PHONE:		9373821441

	MAIL ADDRESS:	
		STREET 1:		48 NORTH SOUTH ST
		CITY:			WILMINGTON
		STATE:			OH
		ZIP:			45177

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERCOUNTY BANCSHARES INC
		DATE OF NAME CHANGE:	19930708

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WITHERBY HOWARD T
		CENTRAL INDEX KEY:			0001200262

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23134
		FILM NUMBER:		03807997

	MAIL ADDRESS:	
		STREET 1:		48 N. SOUTH STREET
		CITY:			WILMINGTON
		STATE:			OH
		ZIP:			45177
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd14355.xml
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-07-29</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000908837</issuerCik>
        <issuerName>NB&amp;T FINANCIAL GROUP INC</issuerName>
        <issuerTradingSymbol>NBTF</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001200262</rptOwnerCik>
            <rptOwnerName>WITHERBY HOWARD T</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2098 CLARKSVILLE ROAD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CLARKSVILLE</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>45113</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SVP, Operations of Subsidiary</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Shares</value></securityTitle><transactionDate><value>2003-07-28</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>1050</value></transactionShares><transactionPricePerShare><value>13.625</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>6208</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ow
nershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common Shares</value></securityTitle><transactionDate><value>2003-07-28</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>1050</value></transactionShares><transactionPricePerShare><value>25.00</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5158</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Common Shares</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>620</val
ue></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Daughters</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Shares</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>30046</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By ESOP</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>Option (Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>13.625</value></conversionOrExercisePrice><transactionDate><value>2003-07-28</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionC
ode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>1050</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2002-01-01</value></exerciseDate><expirationDate><value>2007-01-01</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Shares</value></underlyingSecurityTitle><underlyingSecurityShares><value>1050</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>13500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><remarks>This option to purchase shares was acquired under NB&amp;T Financial Group, Inc., non-qualified Stock Option 
Plan.  One-fifth of such option became exercisable on 01/01/98, one-fifth on 01/01/99, on 01/01/2000, one-fifth on 01/01/01, and one-fifth on 01/01/02.</remarks><ownerSignature><signatureName>Howard T. Witherby</signatureName><signatureDate>2003-07-29</signatureDate></ownerSignature></ownershipDocument>



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