The handwritten inscription on the back of this photo reads:

"Jack" and I in the buggy in the river down from old St. John's Church, Richmond. Church behind the elm tree.
Wm McE
For Harry

Wm McE is William McElroy and is my great grandfather. "Jack" refers to his horse. His son Harry (Victor Henry) was killed in action in WWI and received a Distinguished Flying Cross posthumously.