Good boy Monty!!
"I woke up and the water had come up to my chest and I was aware that I was bleeding from my head. I looked around and saw Monty sat next to me."
The 73 year old grandfather-of-eight said he knew the only way out was to go back up the steep riverbank.
Mr Holder, a retired sales director, was told that the time frame was critical due to his head injuries and his accident could have been fatal.
"Monty got me to level ground and then I just lay down to get my breath back and as I did Monty ran away.
"He came back around 15 minutes later with a nice gentleman who helped me back to the car and an ambulance came."
Maurice was taken to Royal Cornwall hospital where they treated him for two days for head injuries, broken ribs and cuts and bruises to his back.