"J. H. Kerr, Yanceyville, NC"
The name originally had been spelled "Carr" but was overwritten with "Kerr." The photograph came from the papers of Mary Kerr Motz, who died 2005 in Yanceyville, North Carolina.
Note there were several in the Kerr family with the name John Hosea Kerr. This could be the source of the initials "J. H." Thus, the photograph could be of Mrs. John Hosea Kerr.