Frances Carter Headley was born in 1890 to parents Joseph Carter Headley and Alline Higgins Headley. She was the second child for the couple, joining older sister Elisabeth. Frances married Burt F. Carruth in 1915. The couple lived in Texas, and had two children Allen Higgins Carruth and Frances Headley Carruth. Frances passed away in 1953 at the age of 63.

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