A very pretty woman poses for her portrait at the studio belonging to a photographer named Baily, in Tamaqua, Pennsylvania. The woman appears very fashionable in her high collar dress. Tamaqua is located in Schuylkill County, Pennsylvania and is about 35 miles south of Wilkes Barre. The name of the town comes from the Native American word Tamaqua; which means “Land of the Beaver”. The town was in Pennsylvania’s coal region and thrived in the late 1890’s and early 1900’s. Baily’s studio was founded by David Baily circa 1862. An 1892 edition of Anthony’s Photographic Bulletin reports his retirement after 30 years in his occupation. The article adds that he was succeeded by his son Elmer D. Baily. The format of this photograph suggests a time period that makes it likely that this portrait was done by Elmer Baily.
THE CABINET CARD GALLERY 
Besides the ca 1900 fashion, you can tell this photo is by Elmer rather than his father by the monogram — EDB — at the center of the imprint.