1891 census,Anderson Street Westhoe, Durham
Henry E Palmer, head, aged 25, insurance agent, born Kent,
Charlotte A , Wife aged 22 ,born Herefordshire,
Frank S J, son aged 5 , born Norfolk,
Frank RCarham, aged 28, boarder , accountant. this man witnessed the second marriage,
This lady never remarried and died in Colchester in 1911, she states she is still married in 1901 , returned to live with her parents, not difficult to find, if you want the details,