Found it. Frank S. Johnson, age 21 married Mary E. Hoole on July 20, 1908. Frank was the son of James Johnson and Elizabeth Pilling. Mary E. Hoole, was the daughter of Peter Hoole and Mary Wharmby!!
By 1920 Frank and Mary E. have Lillian, age 10, James P., age 7, and Frank H., age 2y 6m. His parents, James and Elizabeth, are living next door. In 1930, Elizabeth is a widow living with the Barnes family--her son in law and daughter. Frank and Mary E. are nearby, and children are the same...no more children.
So this at least explains that! Found the note in the scribbles and went back to the Massachusetts marriage records. Bingo.
Have a great one!
(yes, I have finally put the other Wharmby family to bed..permanently!)