Bertha Collins was the granddaughter of the Collins family who originally owned the Collins’ house and who I assume Collins Road in Eldred was named after.
(By 1905 my Austin grandparents owned one of the Collins homes—there were two I know of and I think both burned down—and ran it as the boarding house: Homestead Cottage.)
Bertha Collins attended the same school (Centenary Institute) as my grandfather Mort Austin.
I think this photo was taken between 1890 and 1900.