Women were also bicycle users and the photograph shows an 1895 Cleveland women's bike with a skirt guard over the rear wheel and a frame adapted for easy mounting.

This bike uses tangential spokes for its wheels, and appears to have a 'coaster brake' for the rear wheel. Structural stability for the frame and head tube is achieved by doubling up the tube between the bottom bracket and the head tube.

From: E.A. Sloan, "Sloane's Complete Book of Bicycling," Simon & Schuster (1995)