this is the fabric for a lap quilt but not sure how to cut it

Hmmm...I'd cut LARGE squares maybe for snowball block. Coord colors for 9 patch. Just one idea...sure many to follow. We just love helping other quilters.
Link for snowball: http://www.straw.com/quilting/articles/snowball1.html

Possibly a row quilt with this fabric being the focus fabric. So many possibilities:)

Is it an all over print? Or a border print? And what is the rest?

It's lovely ... and any of the focus print patterns would be nice.
Or perhaps it might be nice as the backing of the quilt .... which would let you hav a reversable quilt.

Attic windows would be pretty

attic windows????? would give a sort of attic view of the countryside.I see someone else thought that too. LOL

Great link!! ... though I wouldn't want anyone to miss this goldmine that is before it ...
http://www.straw.com/quilting/articles/snowball.html

I had that same fabric.... didn't want to cut it too small so I used it for one side of my Winter placemats. But I do love the "attic window" idea ;-)