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This photograph was loaned to me by Mrs. Peggy (née Cullinan) Curtis who lives in Watertown, New York. Peggy told me about her father, who passed away when she was a child. Charles Cullinan was an accountant by occupation and worked for the Odenbachs, a prosperous family in Rochester. The Odenbachs owned and operated a hopfbrauhaus in Rochester called Hotel Hayward--considered a very hot club for dining and dancing. Charles often used to play piano at the club, and was respected as a capable accompanist in the city. This talent was passed on to Peggy who attended the Juliard School in New York City.

Source
Family photograph.