Thanks for contacting me. Unfortunately, my Jacob is not the same person that you are asking about. This is one name that the KEPHARTs have used since the 1500's and I don't believe they've missed a generation up to the present!! It sure does cause a lot of confusion. My Jacob, the son of Samuel & Jemima (PARKHURST) KEPHART, was your Charles' 2nd cousin.
I don't have any information on your Jacob except his name and that he was the son of Charles William & Elizabeth "Lizzie" (PALMER) KEPHART. I found a transcript on RootsWeb.com of the 1850 census for Lewis County MO, but Jacob is not on it. I wonder why? I had thought that maybe he died before that census taken. This family has been a little harder to research than some of the other KEPHART families. I have 15 kids listed for Charles & Lizzie. Is this correct? I do have some of their spouses and a few descendants, but I don't have a husband or descendants for your Phebe. Would you be willing to share that info? I can send you a gedcom of the descendants of my Jacob if you'd like. Sorry I don't have more to offer.