
Hi!
I've always thought Mary Ann and Forrest had one of the best marriages of the Civil War. The Cowan family had moved to the upscale Horn Lake area above Hernando, MS from east Tennessee. She had been to the Nashville Female Academy and was well educated, sophisticated, had her own money left from her deceased father, and was deeply Christian. Her uncle, a minister, was her guardian - she and her mother lived with him. Forrest, at that time, was a businessman in Hernando, in addition to being in the livery and stock trade was also constable/coroner of DeSoto County. He had a few months of education and that was about it. He had never met her but it's highly unlikely he did not notice her around town - she was a very lovely lady. She likely noticed him, too - he was unusually tall and good-looking, not too easy to miss. But, he had also made the newspaper, as it were, in a gigantic free-for-all and gunfight in the middle of the plaza at Hernando where his uncle had been killed and he had killed two of the four attackers. Well...her uncle knew a good deal more about Forrest than that - he was a gambler and not particularly religious, known to have a quick temper. The good reverend thought his niece could do better. He allowed several gentlemen to court her but Forrest was not among them. He may have asked to see her and been turned down by uncle - at any rate, they weren't likely to make a connection.
But things have a way of working out. One day, Mary Ann and her mother were crossing a flooded creek and became stuck. No matter what they did, the carriage wasn't moving. Two young men were on the other side of the creek laughing. They were also courting Mary Ann and were on their way to church, like the Montgomerys were, so they weren't about to get dirty helping the ladies get out of their predicament. Forrest, not on his way to church but on his way elsewhere, rode by and saw his chance. Never one to let an opportunity escape, he promptly waded into the water and asked the ladies if he could help. Sure! He carried them both to the other side, then went back to the carriage and put his shoulder into it - it came loose and off it went. He then waded back, dripping and muddy, and lit into the two men about their lousy manners and crude behavior until they headed off in a hurry to church. Then he asked Mrs Montgomery if he could see her daughter, which of course was fine with mom!
Well, either uncle wasn't keen on Forrest seeing his niece after they told him what happened, or the two suitors weren't all that far off, at any rate Forrest arrived for his date with Mary Ann and there they were in the sitting room! Mary Ann was not downstairs yet. They snickered and boasted, one was studying for the ministry. Definitely much more of everything that uncle wanted - besides, he was a hillbilly. It's unknown what happened after that was said...but when Mary Ann came down, there was only one man sitting on the sofa waiting for her! I figure she was just waiting for her uncle's choices to clear out, and they would if Forrest was really interested in her - she knew what she was doing waiting up there.

He didn't waste any time, promptly proposed to her but got no answer. He then said he would be back in a few days with a marriage license. When he asked the uncle, he said, "I can't consent to it, Bedford. You cuss and gamble and Mary Ann is a Christian girl!" "I know it,"said Forrest, " and that is why I want her." Uncle gave in and officiated at the wedding, which went off quite happily!
They were married in 1847, moved to Memphis and set up housekeeping on Adams Street. Willie and his sister Fanny were born, but Fanny died at 5 of typhoid. There had been complications after the second birth so there were no more children, and Mary Ann was always delicate in health. By all accounts they had a contented and happy marriage. The only thing they argued about was his gambling - he played often and for big, even huge, stakes. More than one person was surprised about how deferential he was to her, and he was very careful to be sure she was never alone or without anything she needed. Couldn't have had a more devoted husband - in fact, one of his early biographers said "the general worshipped the ground she walked upon." She was a pillar of strength to him and very stable - she was the only one who could control his amazing temper (or who had the nerve to try!) and she knew how to manage him. This was something he knew better than anyone he needed. During the war, she was very valuable to him. Sometimes, when he had been in a severe combat and was totally wound up, he was very dangerous even though the battle was over - he was liable to shoot anyone for anything! That's when his aides would say, "Get Old Missus." She was the only one who could settle him down. She was always as close by as he would let her be, and his troops had great respect for her and appreciated her kindness to them. Forrest believed, after the war was over, the only reason he had survived was because his "Guardian Angel" as he called her had been praying for him. As his health declined after the war, he became more and more dependent on her. The happiest moment for her was when he finally became a Christian and was baptized into the church.
Forrest's fortunes didn't take an upturn any time after the war. He had failures in the railroad business and a number of other financial difficulties, but would never touch her money even when she offered it. Eventually they had to sell the house on Adams Street - the new owners moved in before they moved out, in fact! - and Forrest bought a dogtrot cabin from his old plantation. This he put on President's Island where he tried to grow corn. It burned down, leaving the Forrests homeless, and they moved into his brother Jesse's home where he died a couple months later. He had a long and very debilitating illness - diabetes caused damage to the nerves in the digestive system and he pretty much starved to death, only weighed 100 pounds at the time of his death. Mary Ann took care of him all through it, which was a lot of effort. His last words were, "Call my wife."
After Forrest's death, Mary Ann moved in with her widowed son, Willie, and his four kids. She helped him raise them. She was also very active in taking care of disabled veterans and their families, care-taking of Confederate cemeteries and helping the widows and orphans of that war. She had done this with her husband and continued these activities after he passed. She was 41 at the time he died, but never remarried. Her own health issues, which aren't exactly clear beyond 'female troubles', worsened and she died in 1893 at the age of 67 at her son's home in Tupelo.