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Ruthwell's most famous inhabitant was the Rev. Dr. Henry Duncan . He was a Minister , Author , Antiquarian , Geologist , Publisher , Philanthropist , Artist and Businessman . In 1810 , Dr. Duncan opened the world's first commercial Savings Bank , paying interest on its investors' modest savings. The Savings Bank Museum tells the story of early home savings in Britain . In 1818 , Dr. Duncan restored the Ruthwell Cross , one of the finest Anglo-Saxon crosses in Britain , now in Ruthwell church. This cross is remarkable for its Runic inscription, which contains excerpts from '' The Dream Of The Rood '', an Old English Poem . In 1843 , at the time of the Disruption in the Church Of Scotland , Dr. Duncan became one of the founding ministers of the Free Church Of Scotland . EXTERNAL LINK |