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Phillipsburg - Dutch side capital where the cruise ships dock. Great duty free shopping not a lot of nightlife.
Simpson Bay - Dutch side, the crossroads of the island. Has lots of restaurants, timeshare and is central to everything. The major marina is here.
Maho- Dutch side. Next to the airport. Party central for the island. Restaurants, casinos, bars, nightclubs. Lots of action, lights and noise but very fun.
Cupecoy / Lowlands. French - Dutch border on the Northwest side of the island. The golf course, Atlantis casino, some good restaurants and lots of expensive villas dominate this section of the island.
Marigot - French Capital. Very Eurpoean feel with upscale shopping and dining at a more relaxed pace. Nice marina and you can catch a ferry to anguilla St. Barths and other islands.
Grand Case. - French side. Dining capital of the Caribbean. Spend $5 for local BBQ or $100 for fine French Cuisine. Both are worth it.
Dawn Beach Eastern Dutch- French border Used to be a quiet area but is the site of major new construction.