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The Unknown Couple

My parents found this picture in the attic of their home many years ago.  Their home had been in the family for some time, so we believe this photo is of our family members.  It appears to be taken near a shoreline, possibly Lake Erie.  If anyone has any ideas, please let me know! ddearring@ameritech.net

  
  We suspect they may be one of these couples:

Rev. Albert Dunlap (1843-1917) and his wife, Margaret Martha McKown Dunlap (1840-1905)  OR
Arnold Dearring (1822-bef. 1900) and his wife Catherine Teter Dearring (1835-1909) OR
Michael P. Forquer (1835-1910) and his wife Roseanna Forquer (1840-1918)

Here's a closer view:

ALSO Here is another unknown, is it the same lady?