Florence S. Smith, 92, of Lakewood, NJ, formerly of Toms River, NJ passed away on November 8th 2018. Born to August and Louise Schlosser in Summit, NJ. Florence was formerly employed by the First National Bank of Toms River. She was an avid bowler, golfer and enjoyed playing bridge. She was a loving wife to Floyd who predeceased her in 1992 after 41 years of marriage, a loving sister to Marian Newton, Tina Brown and Fred Schlosser who predeceased her. She was a loving mother to Floyd, III (Diana) of Wilmington, DE and Louis (Susan) of Ewing, NJ; a grandmother to Greg (Rachel) Smith, Julia (Seung) Lee, Jeff and Jill Smith, and great grandmother to four. A viewing for Florence will be held on Tuesday November 13th, 10 a.m. to 12 noon at Anderson & Campbell Funeral Home, 703 Main Street, Toms River, NJ. Service will follow at 12 noon. Interment will be at Riverside Cemetery, Toms River, following the service.