Well, let's see. Her name was Gertrude Jane Fegley but she went by Katie. She was born 8/19/1892 in Kansas (and died 2/12/1980). She married Arthur I. Shepard. In this photo, she looks to be maybe 20-ish. So I'll say somewhere near 1912.
Katie has a memorial page on Find A Grave and is in several people's trees on Ancestry.com, many of which include this photo with no date.
That was some of the style back then. I knew an elderly lady some years ago who showed me a photo of when she was about 14 from around that same era. A shirt/blouse with a tie wasn't too unusual. Not everyone looked like a Gibson Girl in a fancy dress.
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