"According to Brad Steiger's Real Ghosts, Restless Spirits and Haunted Places, where this photo was found, there was only one other photographer in the church beside the person who took this picture. Neither of them recalled seeing the ghost or any flesh-and-blood person standing there who could account for this image. Because the figure is all in black, it has been theorized that the apparition could be that of a church minister." Stephen Wagner - About.com
I have not be able to find any more information on this photograph or the location. I find this photo rather interesting and one of a few that appear genuine.