CREATE TABLE table_28898948_3 (incumbent VARCHAR2, reason VARCHAR2, by_election VARCHAR2)

When 1881 is the by-election and death is the reason who is the incumbent?
SELECT incumbent FROM table_28898948_3 WHERE reason = "Death" AND by_election = 1881
SELECT "incumbent" FROM "table_28898948_3" WHERE "Death" = "reason" AND "by_election" = 1881