I believe the photographer was H.M. Beach of Remsen, NY
The northbound Thousand Island Special collided just north of Boonville with the southbound Freight Train #90. Six people were killed and several more injured.
I've lived here my whole life (all 50 years of it) and never once heard of this fascinating piece of our local history. Learn something new every day.
Anyway, if train wrecks and/or local history are your thing, you can read more in a great article written by Larry Myers, Boonville, New York, in Postcards, or you can visit this article at The Oneida County Historical Society.