At least five quilts from the same maker are pictured at the Quilt Index, brought in by a family member who lived in Claiborne Parish and "found the quilts in the maker's 'Hope Chest' and does not believe [they have] ever been used." Frances married James Wallace Massey in 1901 and this is very possible. They did not have children and the quilts may have remained unneeded.
Read more about Monument quilts:
Sister-in-law Mary Lue Petillo Kendrick (1861-1941) with her husband William Kendrick. Mary Lue and family went to Texas in the early 20th century but dated by the childrens' ages (Oddie D in his father's lap was born in 1892) the photo was taken in Louisiana. William has a patchwork quilt on his chair and the photographer used the reverse of quilts for a background, a typical setup by itinerant photographers at the time.