CONFORMED COPY

SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

Form 6-K

Report of Foreign Issuer
Pursuant to Rule 13a-16 or 15d-16 of
the Securities Exchange Act of 1934

For the month of: January 2003 Commission File Number: 001-31316

THE BANK OF NOVA SCOTIA

(Name of registrant)

44 King Street West, Scotia Plaza, Toronto, Ontario, M5H 1H1
[Public, Corporate & Government Affairs, Tel.: (416) 866-3925]

(Address of Principal Executive Offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F o Form 40-F x

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the SEC pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934:

Yes o No x

If “Yes” is marked, indicate the file number assigned to the registrant in connection with Rule 12g3-2(b):   N/A  

TABLE OF CONTENTS

Press Release dated January 15, 2003

Press Release dated January 15, 2003

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	THE BANK OF NOVA SCOTIA
Date: January 15, 2003	By:	/s/ Ian McIntosh
		Name:	Ian McIntosh
		Title:	Vice-President, Public, Corporate & Government Affairs

EXHIBIT INDEX

Exhibit	Description of Exhibit	Page
99.1	Press Release — Scotiabank to conduct normal course issuer bid to purchase Common Shares — January 15, 2003
99.2	Press Release — Richard E. Waugh appointed President of Scotiabank — January 15, 2003