frederick payne (c. 1833 – 22 february 1911) came to australia from england, lived in echuca from around 1856 and from around 1859 worked as an auctioneer and commission agent. he was active there until 1882 (including a stint as mayor in 1866). he owned "resolute" −1879, "invincible" 1877–1879; "express" 1878; "riverina", "undaunted", "lady of the lake" 1880– ; and "maude" and the barge "confidence". he skippered "lady of the lake" 1884, 1887, 1896–1898. he married twice: to marianne (or mariane) louise boxall (c. 1839 – 8 october 1873) on 17 june 1862; then to alice boxall ( – ) on 24 december 1874. two sons were involved in murray trade: