-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 J2fd01aItRc91/tTVePmLCd8uBzB8caybl73y7hCZk0DTFJyQJcTOPnBN/KNvWiC
 4urOTwbowDZ1q0NQg224HA==

<SEC-DOCUMENT>0001209191-04-014763.txt : 20040308
<SEC-HEADER>0001209191-04-014763.hdr.sgml : 20040308
<ACCEPTANCE-DATETIME>20040308112443
ACCESSION NUMBER:		0001209191-04-014763
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040224
FILED AS OF DATE:		20040308

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KABACK NEIL J
		CENTRAL INDEX KEY:			0001281655

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13814
		FILM NUMBER:		04653856

	BUSINESS ADDRESS:	
		STREET 1:		194 WEST MAIN STREET
		CITY:			CORTLAND
		STATE:			OH
		ZIP:			44410
		BUSINESS PHONE:		3306378040X161

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CORTLAND BANCORP INC
		CENTRAL INDEX KEY:			0000774569
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341451118
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		194 W MAIN ST
		CITY:			CORTLAND
		STATE:			OH
		ZIP:			44410
		BUSINESS PHONE:		2166378040

	MAIL ADDRESS:	
		STREET 1:		194 WEST MAIN STREET
		CITY:			CORTLAND
		STATE:			OH
		ZIP:			44410
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc3.xml
<DESCRIPTION>FORM 3 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-02-24</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000774569</issuerCik>
        <issuerName>CORTLAND BANCORP INC</issuerName>
        <issuerTradingSymbol>CLDB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001281655</rptOwnerCik>
            <rptOwnerName>KABACK NEIL J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>194 WEST MAIN STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CORTLAND</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>44410</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Cortland Bancorp Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>175.0000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes></footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Neil J. Kaback</signatureName>
        <signatureDate>2004-03-01</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----