Family in Owensboro, Ky.
Adults standing, L-R: Albert Speer, Nannie Speer, Georgia Speer, Etta Speer, Emory Speer, Edward Speer, Herbert Speer, Susie Speer Owsley holding Orvetta, William A. Owsley. Seated are Great-Grandparents Marcus E. and Ida Speer. Children from left: Marietta Speer, Harlan Speer, Eugene Speer, Reginald Owsley, Sheldon Owsley, Naomi Owsley.
This was labeled 1907 in album, but Orvetta was born in 1908, so that places it at least late 1908 and probably 1909.