Hello Karen - I see this post is rather dated, but I am just getting started and did a search and saw your post.
James (Benjamin) Chappell and Mary A. from Skaneateles, NY are my g-g-grandparents.
James was born in 1827 and died 8/23/1883.
Mary A. was born 1835 and died 1917. I do not have a surname on Mary - have you been able to verify this?
They had a son Franklin Benjamin Chappell.
Have info on several of James's brothers.
I also have a newspaper clipping from the funeral of Myrtice Chappell (daughter of Franklin Benjamin Chappell) that shows an Edward Horle in attendance. Not sure if this helps you, but thought it interesting that the last name matches one of the two you proposed.