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In the background is Holy Trinity Church, a most unusual building, which in the 1900s included a tobacconist, a bank, and two butchers' shops as component parts.

The family in the boat are enjoying sailing on a light breeze, and the boy on the bank is fishing, probably for tench, although eel catching is more popular.

The Halifax Bank reconstructed the historic building next door to Parrish in 1982 and did a good job.

The building nearest to us is in fact the West Lancashire Bank, which opened in 1879; it was later acquired for an extension to the library.

The old building on the right, which still houses Lloyds bank, dates from the early 1900s.

Today a bank of windmills is positioned on the crest of the hill, following the age-old tradition of harnessing nature.

The Opera House complex behind the war memorial incorporates Barclays Bank.

Lloyds Bank used to operate from the house on the extreme right. These days it is a private house once more. Next door is the Catholic church of St Peter and St Paul.

The works of one pencil manufacturer, A Banks, are on the right.

The church and a cluster of old houses are at the top of the hill, and more old buildings are on the river bank, east and west of the Bognor Road river bridge.

It was a delightful journey for passengers, the train chugging along the banks of the River Leven, and through rock cuttings and narrow wooded ravines.

The Royal Hotel on the left was built in 1878, while the banks are among the grandest buildings of that confident era. These survive today.

Heading south towards Bourne, the route diverts north-east of the town to Edenham, a delightful village on the east bank of the winding East Glen River, whose church has many remarkable monuments to the

It was all done in memory of Sir Joseph Banks, who lived in Revesby Abbey, named after the 12th-century abbey, a Cistercian foundation.

Crucial to Hawkins's plans was the linking of the south and north banks: this graceful suspension bridge, designed by John Webster and built in 1888, achieved this.

Just six miles from the Borde, the village of Ford sits on gently rising ground on the right bank of the Till.

The 1890s terrace with its four gabled full-height bay windows steps down the hill; the left-hand one on the corner of Outwood Lane is now no longer a Barclays Bank, but the offices of financial consultants

This view captures well the disparate suburban nature of Cobham's High Street before we reach the most attractive River Hill and Mill Road, which stretch along the banks of the River Mole

The Cash Clothing building (left) later became Lloyds Bank.

Obviously a popular picnic and walking site, the banks were the preserve of the Clifton and District Piscatorial Society, now less cumbersomely named Oxford District Anglers Association

The rotunda (now occupied by a bank) can be seen on the left. It was built in 1826, and was a concert hall and ballroom.

Several businesses have changed, too: Fitze's Ironmonger's (today Boots) occupies the premises that in 1921 were Wenmouth's Ironmongers, and Stephen's Outfitters has been taken over by the Midland Bank

as March 1777 the authorities in Liverpool had given orders for repairs to 'the boat, which was formerly ordered to be built and kept at Formby in readiness to fetch any shipwrecked persons from the banks

School, the consulting rooms of two physicians and surgeons, a post office, fishmonger and fruiterers, a confectioner, a grocers, a boot maker and cycle dealer, and a branch of the Lancashire & Yorkshire bank