She was a member of Gethsemane Baptist Church, retired from Brown Foreman, member of the Eastern Star.
Frances was an avid U of K and NASCAR fan.
She was preceded in death by her husband, Chester James.
Survivors include her sister, Kathleen Denner; nephews, Robert Harris and Garnett Kelly; nieces, Wanda Yost Brewer, Dora Carman, Dalla Peterola, and Judy Giddens; and caregiver, Diane Patton.
Her funeral service will be at 11 a.m. Saturday at Sholar Funeral Home, 5710 Castle Hwy Pleasureville, KY. Burial in Pleasureville Cemetery. Visitation is 3-8 p.m. Friday at Arch L. Heady & Son Funeral Home and Cremation services, Okolona.
Memorial contributions can be made to D.A.V. or Gethsemane Baptist Church.