I have used that crossing a number of times and like Dave says, it is a small road, but can be rather busy with local traffic. The border guards have always been very correct and courteous when I was there.
On the Montenegro side there are a number of options for roads to take. You can follow the main road, which follows Piva canyon (not Tara canyon) for a while and then turn east into Durmitor NP via Trsa. Beautiful road.
If you want to follow the Tara river you'll have to take the small road that starts in the no-man's land between the 2 border posts. It is in the hair pin just across the bridge on the MNE side. You'll have to pass via the MNE border guards first and then ask permission to take the road. They'll let you make a u-turn.
From there you can follow the Tara river for a while and then turn South to end up in Trsa as well. Or you can follow the road a bit further and ride through Durmitor to Zabljak via Susicko lake. You'll see a whole different side of the Durmitor mountains. A small section of that road is still gravel.
You really can't go wrong with any of these options, they all offer great riding and awesome views.
There's also a number of nice camp sites, both on the BIH and the MNE side.
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