A bit later than the 1890s, around 1905 I'd say, but it's such a horrible scan that I can't make out details such as the waistline etc. Any chance of a decent scan at 300 dpi?
I'm wondering if the lady might be a new widow. We have a lot of people posting a black&white photo on here and asking if the lady is in mourning. Well, as it's not a colour photo, we'll never know...could be any dark colour. So I don't want to make the same mistake. But.....the details of the hat seem to be unrelieved with any lighter shades....it seems to be all very dark as well as the dress. And is that a hankie? A lady's mourning stuff, in the first year, was completely black except for the hankie, because the dyes weren't colourfast.
So anyway, that's my 2 cents' worth for you

Cheers,
China