margaret55
I think you are still correct. The only problem is Joan's birthdate. Here's why...
The only Georgina I've come across to this point is Georgina Nichol/Scott (1850-1907). It looks like her real name was Nichol, but she was raised by her grandparents whose name was Scott. (census info) She was married to Robert Graham (1834-1889) who was the 4th child of Alexander Graham and Agnes Tidman -- Joan was the 3rd.
Was this James McKenzie the informant? Could he have mixed up Alexander's wife Agnes Tidman with son Robert's wife Georgina? I've run across informants who mixed up their own grandparents! After Joan died in 1920, David Murray, Alexander, Agnes, Robert and Georgina were also all dead. Which child James Mc Kenzie was married to? The later ones might have been too young to even remember their grandparents Alexander and Agnes.
If you want to check out Robert and Georgina, Robbiesmum has them on the website she gave out on 19 Oct 2010 and there is a photo at the 2nd site she gave, volume 3 #172.
I think that you will be especially interested in the inscription Robbiesmum has beginning "In memory of Alexander son of David and Joan Murray...". It even mentions a McKenzie grandchild. Sorry, but I don't see a reference to a picture.
rlg