Čačak is a city and the administrative center of the Moravica District of Šumadija and Western Serbia, and it's one of the main crossroads and economic centers of Serbia. The city has a unique morphological area in its surroundings, the Ovčar-Kablar Gorge, where 300 monasteries have been built since the 14th century, but only 12 remain today. This area is also called "Serbian Mount Athos."

In the vicinity of Čačak there are more than 20 churches and monasteries, the largest number found on such a small area in Serbia. They represent cultural and historic monuments of great significance. The most important ones are the Church of the Ascension of Jesus, a church on Ljubić hill dedicated to Saint Tsar Lazar, as well as the Vujan Monastery located on a nearby mountain of the same name. Special value is attributed to the monasteries of the Ovčar-Kablar Gorge, which as a cultural and historic whole date back to the Middle Ages and represent the particularity of the region's cultural and artistic heritage created over the centuries.

Thermal and mineral springs with medicinal properties provide the basis for the development of recreational tourism. There are three spa resorts within the territory of the city of Čačak: Gornja Trepča, Ovčar Banja and Slatinska Banja. There are also picnic sites: Gradina and the "Battle and victory" park (also called "Spomen" (remembrance) park) on the Jelica mountain, the Memorial complex on Ljubić hill, Grujine fields, rafts on West Morava river in Beljina, Parmenac, Međuvršje and Ovčar Banja, and picnic sites on the tiny rivers called Dičina, Kamenica, Čemernica and Banja.

Nikšić is the second largest city of Montenegro, with a total population of 71,237, located in the west of the country, in the centre of the spacious Nikšić field at the foot of Mount Trebjesa.

It is the center of Nikšić Municipality (Population of 87,950), which is the largest municipality by area and second most inhabited after Podgorica. It is an important industrial, cultural, and educational center.

Nikšić has a humid subtropical climate, which is influenced by the Mediterranean climate drying trend during summer. Average temperature for January is 1.3°C, while average temperature in July is 21.1°C. Average humidity amounts to 68,57%. Nikšić receives 2.245 hours of sunshine per year, with warm and moderately wet summers, and cool and rainy winters. On average, there are 19 days per year with snowfall.

Although Nikšić area has seen human settlements since antiquity, most of the modern Nikšić is a planned city. Very little remains of the Ottoman architectural heritage, despite the long presence of Ottoman Empire in the area. The city layout visible today still follows the 1883 urban plan commissioned by King Nicholas and designed by Croatian architect Josip Slade.

According to this plan, the streets of Nikšić radiate to the north and east from the central city square (today a roundabout), locally known as Skver. The radial streets are intersected by circumferential streets and avenues, thus creating a half-spider web-like street layout.

Nikšić is, alongside Podgorica, one of the biggest industrial centres of Montenegro. A Steel mill (Nikšićka Željezara), bauxite mine, Trebjesa brewery (Nikšićka Pivara), and many more are concentrated in this city. These big industries had struggled to survive the collapse of the socialist economy, but have since recovered. The process of privatization is either finished or still in progress for some of these industries.

Today those industry giants cannot employ as many workers as they could back in the days of Socialist Federal Republic of Yugoslavia, and the economy of Nikšić is slowly transforming into one that is more service-oriented. In 1981 Niksic's GDP per capita was 91% of the Yugoslav average.

Although mostly perceived as an industrial center, Nikšić is also a city of rich cultural heritage. The most significant cultural institution in the city is Centar Za Kulturu (Cultural Center), which incorporates the city's major public cultural establishments. Nikšić is known for its distinctive cultural atmosphere and bohemian art scene, with poet Vitomir Nikolić and singers/songwriters like Miladin Šobić or Marinko Pavićević as prominent representatives of the Nikšić bohemian spirit. Živko Nikolić, a native of Nikšić, is considered the most significant Montenegrin movie director.