I am almost certain this is my first cousin 4 x removed, Amelia Harman, daughter of Jonathan Harman. Amelia married Christopher (Chris) Bell of Heywood in 1901. They had three children, Millicent Irene (born 1901), Clarence Jonathan (1902) and Christopher George (born 1903) all born at Heywood. Clarence died in 1905.
If it is Amelia, the three children in the photo would be descendants of Christopher George Bell. I believe that he may have married twice. Cheryl would be his daughter, Helen his granddaughter and Lynette his great-granddaughter. At the time of the photo, Christopher was working as a senior constable of police at Casterton. He would have been around 48 at that time. I’m still trying to do the maths!
Amelia would have been around 87 at the time of this photo. She passed away in 1957 aged 91.
Another amazing thing is the three girls are all nine months old! Cheryl, Helen and Lynette would be 61 now. If they or any other Bell family members see this, I would love to confirm if this is Amelia Harman.