Hi Linden,
She's not in my direct line so I don't know much about her. Richard's brother was my great-grandfather. Richard died in 1887 and he was only 47 years old. They were blacksmiths and livery people. My guess, its only a guess, is that she opened the hotel with her second husband. I did a bit of hunting and found a tenuous reference to a Jarry and a Golden Point Hotel, which was later re-named the Terminus Hotel, in Mercer Street Geelong.
The hotel is still standing and is heritage listed and I think still operating. I think it was one of the rare, three story buildings in early geelong so the owner must have had a bit of cash! You can see it at:
http://www.environment.gov.au/cgi-bin/ahdb/search.pl?mode=place_detail;place_id=15782hope it helps
regards
Gale