Frances native to Burnley, Virginia was born on September 16, 1928 to the late Dennis O’Neal Payne, Sr. and Annie McCauley Payne.
In addition to her parents, Frances was preceded in death by her husband, Charles Gardner and her niece, Brenda Payne Ramey.
Frances is survived by her niece, Diane Payne of Louisa, VA and also a host of other family and friends. She had a very dedicated team of caregivers and neighbors who helped Frances daily.
Visitation will be from 10:00 am – 11:00 am on Friday, January 6, 2023 at Teague Funeral Service, 2260 Ivy Road Charlottesville, VA 22903. A graveside service will immediately follow at Monticello Memory Gardens, 670 Thomas Jefferson Parkway Charlottesville, VA 22902.
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