I think the word at the top might be "ERECTED" - as in 'ERECTED IN SOLEMN REMEMBRANCE' or something similar.
Assuming that you have the original - and not just the scan - have you tried looking at the picture with a magnifying glass? Can you rescan just the one photo at a higher resolution? Unless someone recognizes the memorial (and the setting may well have changed in the intervening years), I don't think we'll be able to identify it from what you have posted.
Sorry I can't be of more help -
Tim
"If we're lucky, one day our names and dates will appear in our descendants' family trees."
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