Rita Bliss didn’t pick up a banjo until her mid-20s, but it didn’t take long for her to fall in love with its sound — and the rich musical traditions it represents. Though she was raised in Rochester, N.Y. — near the Adirondack mountains, not the Appalachians — her flat-voweled delivery seems to owe more to the hills and hollers where bluegrass was born. On her debut album, Peaches and Apple Pies, she combines those sounds with folk harmonica popularized in the industrialized north, and nods to the twang of her current Texas home.