108 St Clair Street, Kirkcaldy

This is a two-storey bank building designed by William Syme and constructed in 1913 on a corner site. It is an example of classical architecture, built with stone ashlar, with channelled detailing at ground level on the south and west elevations and pilaster quoins on the first floor. The remaining areas are constructed with coursed squared and snecked rubble. The building has a base course, a cavetto-corniced dividing course, and a mutuled eaves cornice.

The southwest corner, serving as the main entrance, features composite-capitalled columns flanking a deeply moulded round-headed doorway. This doorway is fitted with decorative cast-iron gates and a semicircular fanlight with a cast-iron grille inscribed with "BANK." A cornice and block pediment above the doorway give way to a smaller set of columns, mirroring the ground floor detail, supporting an aedicule over the first-floor window. A large block pediment sits above the cornice, incorporating flanking dies and horizontal scrollwork that extends around the corners to the west and south elevations.

The south elevation, facing Loughborough Road, has four bays. A pedimented doorcase is situated to the right of centre, featuring pilasters with foliate capitals and narrow flanking lights. Steps lead to a panelled timber door with a plate glass fanlight above. There is a bipartite window to the right, and two windows with moulded aprons to the left. The first floor has a bipartite window, channelled pilasters, and a mutuled pediment above the eaves in the right-of-centre bay, with a window to the outer right and two windows to the left. Channelled pilasters accentuate the outer angles of this elevation.

The west elevation, facing St Clair Street, is three bays wide. Each bay originally contained windows with moulded aprons; the window to the right had its apron and base altered, while the window to the left features decorative moulding that forms part of a corbel supporting a canted first-floor window with flanking pilasters and a mutuled pediment. Windows are located in the centre and right bays, with an additional channelled pilaster on the outer right.

The north elevation has a first-floor stair window with decorative astragals and a round head, along with two smaller windows to the left. A broad advanced gable is prominent, featuring a dominant gablehead stack to the right, and two small windows on the return to the left. The first floor visibility is obscured by a boundary fence.

The east elevation incorporates a pitch-roofed, single-storey wing projecting from the ground, with small windows on the return. The first floor has irregular window placement, including a small, keystoned, round-headed opening with an oculus, situated beneath a gablehead stack.

The original windows were timber sash and case with four panes and plate glass. The former banking hall now has modern windows. The roof is covered with grey slates. The building includes cavetto-coped ashlar stacks with cans, ashlar-coped skewes, and flat skewputts, along with cast-iron downpipes and decorative rainwater hoppers.

The interior of the former banking hall retains decorative mutuled cornices, despite the modern replacement of the original windows. The interior of Nos. 1-3 Loughborough Road was not inspected in 1997. The site is enclosed by semicircular-coped rubble boundary walls.