The photo and the paper reads: “Zora Williams when a baby a cousin of R. S. Munday” Zora Williams was born 17 Mar 1893 and the daughter of Mary Elizabeth Slemmons, daughter of Asher and Martha, and her husband Dudley W. Williams.
This is an even closer picture of page 12:
Here is page 13:
The paper under the picture states: “Zora Williams Kennedy in her teens” This is Zora Williams, from page 12, when she is a teenager. I’m not sure of the year of this picture but given the fact that she was born in 1893 I would guess that it was taken about 1908.
Here is a close-up of page 13: