This is one of those photos that I keep coming back to trying to figure it out. It comes from my paternal grandmother's things. So it could be people from the O'Donnell's or her family, the VanBilliard's.
I enlarged the sign area to read it. I am sure it says:
Otter's Cedar Hill Farm Boarding House
Cannot make out the last line of it. I have no idea who this woman and and little girl are. It is just annoying!