This one is captioned "Mother, Clara and Helen" in one of Clara (Ross) Fowlie's albums.
Mary Hay (Stotler) Ross was born January 27, 1864 in Sangamon, Piatt county, Illinois to Hiram A. Stotler and Hannah (Argo) Stotler. She married John Franklin Ross March 27, 1889 in Illinois. According to my notes, she had 7 children between 1890 and 1906. Clara and Helen were the youngest of her three daughters. She died February 15, 1959, at age 95. She was buried with her husband at Lake Creek Cemetery, Rockwell City, Calhoun county, Iowa.