I thought it might be a boy as well because it reminds me of the photo of my father about the same age in his little sailor suit with skirt and fancy hat, and the time frame would be similar to what you suggested, Phoenix, as Dad was born in 1901.
Michael, have you played with the face-matching feature on familysearch that Tom posted about? You'd want to put this photo as "You" and then upload other family photos to compare. It's not foolproof, but I did a lot of fooling around with it and was suitably impressed with some of my results.
It's under Activities > Compare-a-Face.
https://www.familysearch.org/discovery/compare