Three men on a riverbank, something underwater (cabinet card, landscape)

Cabinet photo, 4 x 5 inches, gilt edge, ca. 1890. Photo is faded and has some surface wear and soil, but three men are tucked into the upper right corner, two reclining and one overlooking the river, where there appears to be a manmade some-or-other sticking out of the water. Pinhole in the top middle.