Loa L. Jones Teacher in Billings, Yellowstone County, Montana

"My First Teacher in Billings, Mont Xmas 1895."

I have come across a card in my Great-grandmother's photos and am interested to find out who this lady is.
The front has a photo and a handwritten name: Loa L. Jones On the back my grandmother wrote: "My first teacher in Billings,
Mont. Xmas 1895." She would have been 6 years old in 1895. My grandmother's name: Lola Montez Payne
Her parents: Henry C. and Maria Louisa Payne.
If you have any information about this teacher, please contact me. Thanks

This is a blowup of the photo of Loa L. Jones on the card mentioned above.