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Bird's-eye-view of Palisades, beach and Long Wharf in Santa Monica, California. A train car can be seen in the center, on the railroad tracks parallel to the beach, and a horse and carriage are on the beach, with people near the water. The old "99 steps" bridge is also in center, over the coast road and the train tracks. A path and trees are along the bluff (later Palisades Park), and Ocean Avenue is on the far right, with some houses in view. Title and date transcribed from back of item. Writing on the back of the photo reads "Malibu mountains from Santa Monica about 1898, showing old Southern Pacific R.R. wharf. Credit Historical Collection of Security First National Bank of Los Angeles."