192-194 High Street, Montrose

192-194 High Street in Montrose is an 18th-century building that was remodeled in 1875 to serve as bank premises in the Free Renaissance style. It is a two-storey structure with an attic and features a tall ground floor and part mezzanine. The building has five bays and is part of an irregular terrace, constructed with sandstone ashlar at the front and squared rubble at the rear. It includes a base course, a ground and first floor cill course, and a first floor that is corbelled with cornice corners. A central wallhead pediment is present, along with architraved margins.

The east elevation, which is the principal façade, is asymmetrical on the ground floor. The bays are divided by pilasters with block capitals, and there are mouldings and paterae. The extreme right has paired pilasters, while the penultimate pier to the left is plain with a baluster top. The two bays on the right feature large windows, and the center bay is offset to the left with a round-arched doorway that has a keystone and a square two-pane fanlight above. The penultimate bay to the left has a round-arched window with a square window above, and the extreme left bay includes a doorway with a round-arched fanlight and a square window above. The first floor has four bays that are symmetrically arranged. At the top, there is a corniced wallhead pediment with a chimney at the center and dies on each side, topped with an urn. The flanking dormers break the eaves, featuring pilaster margins, a cornice, and semicircular pediments.

The south elevation adjoins 196-198 High Street, while the north elevation is a blank gable end that adjoins 186-188 High Street. The west elevation includes a single-storey gable-ended section that extends westward, with windows at the extreme left and right on the first floor, and piended dormers breaking the eaves above.

The front of the building has four-pane timber sash and case windows, while the rear has replacement plate glass windows. The roof is pitched with grey slate, featuring a capped gablehead stack to the south, a large rendered machicolated gablehead stack to the north with polygonal cans, and a harled wallhead stack to the west.

The interior was not seen in 1997.