The distribution and the correlations of the small eigenvalues of the Dirac
operator are described by random matrix theory (RMT) up to the Thouless en
ergy E-c proportional to 1/root V, where V is the physical volume. For some
what larger energies, the same quantities can be described by chiral pertur
bation theory (chPT). For most quantities there is an intermediate energy r
egime, roughly 1/V < E < 1/root V, where the results of RMT and chPT agree
with each other. We test these predictions by constructing the connected an
d disconnected scalar susceptibilities from Dirac spectra obtained in quenc
hed SU(2) and SU(3) simulations with staggered fermions for a variety of la
ttice sizes and coupling constants. In deriving the predictions of chPT, it
is important to take into account only those symmetries which are exactly
realized on the lattice.