JEPTHA GARRARD was born April 21,1836, in Cincinnati to creditable lineage. His mother, Sarah Bella Ludlow Garrard McLean, was a daughter of Israel Ludlow, one of the founders and pioneer landowners of the area which became downtown Cincinnati. He was the grandson, also, of the second governor of Kentucky, James Garrard. He was the brother of Israel Garrard and Kenner Garrard, both Union generals, and first cousin to another general, Theophilus Toulmin Garrard. After admission to the bar, he entered the army as a cavalry captain, then became colonel of a New York cavalry regiment He was mustered out as a brevet brigadier general. He returned to Cincinnati where he spent the remainder of his life managing the large Ludlow and Garrard estates. He died December 16,1915, in Cincinnati at age seventy-nine.