The Mysterious Maggie Bracken

This question revolves around the photograph attached. The short and sweet of it is, despite the annotation on the back (also attached) we have no idea who these people are! We surmise it was sent in about 1920 by my great-uncle, William James Cummins (who was living at the time in Chicago), to one of his relatives (perhaps his sister-in-law, Catherine Ryan Cummins) living in Weehawken, New Jersey. The only logical identity is Margaret Egan Bracken, who was my great-great-grandmother's niece and, therefore, William James Cummins' cousin.

I know that Margaret Egan Bracken died in Tullamore in 1925, but I theorize that perhaps she immigrated to the US (for at least a while anyway) and remarried after her husband James Bracken died in 1919. The house in the background looks decidedly American and just as decidedly not Irish. It might be James Bracken’s wife or it might not. And who knows what William James' inscription on the back really means (down where? July 19??)? I have no idea who the Bill in the picture is since none of my Bracken trees contain anyone by the name of William Bracken. The only unmarried Margaret Bracken in my tree is the daughter of Dennis Bracken (1879 - 1916) and Kate Gannon (1876 - ?) and she died at the age of 2 in 1908).

If anyone out there recognizes this lady and can put a name and a history to her, that would be fantastic!