There are three Bell families listed in the 1918-1923 Ashtabula Rural Directory.I know this is a little later than your dates, but perhaps it will help.
1. Dorothy M. Bell, Andover, and Ind. tel. 2. D.W/Gertrude H. Bell,2 ch dry goods & shoes O H&L Andover and Ind tel.See Advertisement. 3. T.H./Edith E. Bell, 1 ch dairying O56a 4h8c (# of horses/cows) RI Windsor Wind 29 Ind tel.
D.W. Bell's Ad reads: D.W. Bell, Dry goods, Notions, Cloaks and Suits. Ladies', Misses' and Children's Shoes. Rugs an Linoleums. Andover, OH "In War as in Peace. Here is a store for all the people. A store to which you may look with confidence both in our merchandise and our values. In response to our President's message to "do our bit" this store's merchandise will be marked on an even smaller margin of profit. Patriotic economy - the judicious expenditure of money - is the great order of the day - and the duty of every American is to keep business humming."
No Kearns were listed. Hope this is helpful. Denise