I am a neutral good druid. Just got to the temple and am level 4 now, but I can only cure small wounds, I don't now what to do to learn the better healing spells. I have plenty of scrolls like cure moderate wounds.

With my (now departed, r.i.p.) wizard I could copy scrolls, but the druid gives me no such option even though I constantly choose "cleric" as my class each time I level up. I have 1.5 levels in "learn magic device", can't remember my "spell craft"-level, but I have "healing" very high.

What gives?

Clerics and Druids automatically learn all the spells they're able to as soon as they reach the required level.

For a Druid, Cure Moderate Wounds is a level 3 spell, so you don't get it until you have 5 Cleric levels. Clerics get CMW as a level 2 spell, getting it at level 3. (Clerics get healing spells other than CLW 1 spell level, or 2 character levels, sooner than Druids.)

The skills you mention don't matter as far as healing spells are concerned; there's no class capable of learning healing spells that uses Spellcraft. UMD is only needed if you're trying to use it from an item you can't normally use, while Healing doesn't actually affect healing spells.

By the way, are you saying that you created the character as a Druid, but took levels as a Cleric later? If so, then I'd recommend going back to the start and replacing the character with a fresh level 1 Cleric or Druid (I think the game allows that); due to the way XP gains work, the new character should catch up. Then choose one class and stick to it. (Multiclassing spellcasters is almost never worth it in this game.)

Regarding last part...
How do I do that? At the inn at Hommlet? I have a useless druid and a useless rogue that I want to exchange.

Could you guide me step by step?

Nevermind, I created new chars via console.