In the continental region, between the warm seaside and the Montenegrin mountains and canyons, the capital and largest town of Montenegro - Podgorica (170,000 inhabitants) is situated at 44 m of altitude. Additionally, the Skadar Lake, which is less than 20 km away from the sea, is the largest lake in the Balkans and rich in flora and fauna. The Lake is both a fishermen's and an ornithologist's paradise, its adjacent marshland being one of the most extensive in the Mediterranean.
The other major towns in this region, beside the capital, are the historic capital Cetinje (18,500 habitants) and Niksic (75,000 habitants).
Podgorica is the capital and largest city of Montenegro. The city's population is about 140,000. Its favourable position, at the confluence of the Ribnica and Morača rivers and the meeting point of the fertile Zeta Plain and Bjelopavlići Valley has encouraged settlement.
The city is close to winter ski centres in the north and seaside resorts on the Adriatic Sea. It is the administrative centre of Montenegro and its economic, cultural and educational focus.
Niksic is located in Niksic plain, at the foot of Mount Trebjesa. It is the center of Niksic municipality, which is the largest municipality in Montenegro by area. Niksic is the second largest city in Montenegro, after Podgorica, and is an important industrial, cultural, and educational center.
Niksic has an important role in the development of the transit tourism, because through Niksic, the Montenegrin coast is connected with the picturesque and renowned beauties of Durmitor and its surroundings
Cetinje is the old capital of Montenegro, located at the foot of Mount Lovcen. The name Cetinje derives from the tiny river Cetina which used to flow through the valley and vanish underground at its lower end.
Cetinje is much more than a capital city to Montenegrins. Cetinje and Mount Lovcen are symbols of the Montenegrin nation and state created in the centuries-old struggle for independence, and freedom. They are also symbols of the highlanders' ethic of honesty, courage and loyalty to their country.
After World War II, Cetinje became largely a museum and tourist town for foreign visitors to Montenegro.