From Dubrovnik, Croatia, it is an easy drive to Kotor. Leave late in the day from Dubrovnik, spend the night anywhere, such as old Cavtat, on the Croatia side; and leave in the morning to catch the views to Kotor. Montenegro: see the cities and descriptions at http://www.visit-montenegro.com/croatia-dubrovnik.htm/.
Kotor Bay, Montenegro, Our Lady of the Rock, Perast Islands; Island of St. George
The island of St. George, as well as Kotor itself, has a long history, from 229 BC as an Illyrian city, see http://www.absoluteastronomy.com/topics/Bay_of_Kotor
Our Lady of the Rock, Perast Islands, Kotor Bay, Montenegro
On the left, and in the center right, is on Our Lady of the Rock Island, off Perast, on the way to Kotor.
The road goes around the equivalent of a fjord. See close-ups at http://www.perast.com/html-ENGLESKI/islands. Navigate from the home page, using the further address information only as needed . Our Lady of the Rock is man-made - an island created over 550 years of dropping rocks on an underwater ledge, and then sinking captured ships over the same spot. Ingenious.
The buildings on the right are an island, really a reef, called the Island of St. George. It houses a Benedictine monastery. See more on the islands off Perast at www.montenegro.com/en/Fascinada,_Our_Lady_of_Skrpjel,_Perast_Islands.
This would be an excellent geo-tourism site because of the geological sites and attractions. See book "Geotourism" by Ross Dowling at http://elsevier.com/wps/find/bookdescription.cws_home/706060/description#description.