There are several pointers to help define the date of the three images here, one of which is in the Reliable Series whilst the two black and white pictures were published by Photochrom. For example, development along Lime Grove Walk is restricted to the top section of the road and is only on one side in all three views. On St. Joseph's Street we can see the Presbytery (built in 1896), Inglenook (completed before 1901) and one of the pairs of semi-detached houses. The second of these was built a year or so later. On Edge Road there is a detached house close to the junction with Bank Road, but only two of the terrace of six properties had been constructed. Higher up the Bank Rockside Hydro had not been re-developed; the work on that building was undertaken between 1903 and 1906. So the photographs here were taken at the earliest during 1899 and no later than 1902 and the third image, below, was published in a Ward Lock guide very soon afterwards.

Bridge House (later Bridge Hall Hydro), which was described in 1893 as "having an attractive villa like appearance", was extended in 1899-1900 and by this time was being used as the Town Hall and the Council Offices. Various concerts and shows were also staged in the building. For example, in the spring of 1902 a Mr. Joshua Dyson together with his original Diorama and Gipsy Choir visited Matlock for nine days. It was their first visit to Matlock and the programme promised something different for every recital from the choir of 20 performers^[1]. Another entertainer to perform there later the same year was Mr. Mel. B. Spurr who gave a "humourous and musical recital", though it seems his efforts were only appreciated by a small audience!^[2]

Plots of land for building would be offered for sale from time to time and in 1902 Joseph Hodgkinson advertised a plot "situate in Limegrove Walk No. 1, Matlock Bridge, being Lot 27 on the Matlock Bridge Land Society's Estate Plan, containing 533 square yards or thereabouts". The land did not sell on that occasion so the land was not developed^[3]. This was followed by a important sale of property from Charles Rowland's estate. Six freehold houses and shops with frontages onto Bank Road and Oak Road were sold to Mr. George Bunting; Oak Terrace on Matlock Bank was also purchased by Mr. Bunting. Five cottages (Carlton Terrace) and four more (Moyston Terrace) were bought by Dr. Le Page. Pope Carr Gardens, with a cottage and greenhouses and occupied by James Greaves at the time, were bought by a Mr. Sheridan of Sheffield^[4].

In December 1902 there was an incident on the Bank that could have been considerably worse than it turned out to be. A pantechnicon had been sent to Matlock Station from a Leicestershire firm, laden with furniture for Rockside Hydro and the goods were successfully conveyed to their destination by the rail company's dray. Having delivered the items to the Hydro without any problems, the dray began the return journey down Bank Road via Rutland Street. Unfortunately the horse took exception to a stationary tram and shied, then started to trot down the hill but rapidly began to gallop. The unfortunate animal careered into a lamp post between Matlock House Hydro and Hands Garage and the lamp post snapped! The horse continued on but after several other incidents it unfortunately sustained fatal injuries. It was lucky no people were injured as Smedley's bus was going up Bank Road at the time, but managed to avoid a collision^[5].

It wasn't unusual for postcard publishers to use the same photograph for several years and the very early twentieth century picture of Matlock Bank, above, predates its franking date by eight to ten years. The publisher, Photochrom, also provided images for the Ward Lock Guides and the third image, below, is from the 1903 Guide.

Initially it was thought the two black and white pictures were two different images, but on close examination it has been found that the postcard is actually just a cropped version of the picture from the Guide. There are several small details that prove this. Firstly, the people near the tram are exactly the same in both pictures^[6]; secondly, there is what appears to be another tram outside the Matlock Methodist and United Reformed Church on Bank Road; and thirdly, the chimney smoke rising from both one of the Dale Road shops and another building to the left of the County Bridge in the foreground is also the same. All three things would not be identical if two pictures had been taken from the same location at different times.

Panorama of Matlock Bank, a Photochrom image published by Ward Lock in 1903.

The panoramic view from the guide includes two buildings that don't appear on many photos taken from this vantage point - the United Methodist Free Chapel in the grounds of Smedley's Hydro^[7] (left, top), which is also just about visible in the coloured picture, and the stone built "Rag Mill" with a tall chimney which was used as a colour works in 1893 (left, bottom)^[8]. The building is partly obscured by a tree which hides the middle section.

References:

^[1] "Derbyshire Times", 17 May 1902 (Matlock Bridge. Dyson's Gipsy Choir). Mr. Dyson toured the country for many years and died at Wetherby in October 1910.

^[2] "ibid.", 11 October 1902. He was about to embark on a prolonged tour of America.

^[3] "ibid.", 10 May 1902. The plot was auctioned at the Old English Hotel by Joseph Hodgkinson on 14 May 1902 but failed to its reserve and was withdrawn.

^[4] "ibid.", 21 May 1902 and "ibid.", 31 May 1902. The occupiers were:
Shops and houses on Bank Road and Oak Road - Isaac Buxton, William Addy, John Oakley, Thomas Shaw, George Statham and Mrs. Fowler;
Oak Terrace -Messrs Dakin, Goodwin, Rouse and Winterbottom;
Carlton Terrace - Hopkinson, Moore, Upton, Killick and another;
Moyston Terrace - Henshaw, Hallam, Frost and Allen (bounded by properties of Dr. Le Page, Henry Ward);
Pope Carr Gardens - James Greaves was a florist and market gardener (bounded by properties of Dr. Le Page, Henry Ward, Mr. A. Allsop, Oak Road and Chesterfield Road).

^[5] "Derbyshire Times", 6 December 1902.

^[6] See Bank Road & the Steep-Gradient Tramway

^[7] There is more about the Chapel - United Methodist Free Chapel, Smedley's Hydro, Matlock, 1885

^[8] 1893 auction notice. There are several other images of the former colour works and its chimney on the site: The Popular Album of Matlock is a late 19th century booklet and the chimney is coloured red on Matlock - looking towards Hackney, early 20th Century | Holt Lane and Dale Road, about 1900. You have to look hard, but it also can be seen on Matlock Bank, the Hall Leys and Dale Road, 1912-14 (top image).