51, of Indianapolis passed away on February 15, 2011. She was born on March 12, 1959 in Indianapolis, Indiana, the daughter of Richard and Joan E. (Minkner) Ruhmkorff. Karen worked as a loan officer for Indiana Members Credit Union for 25 years. She was a member of Nativity Catholic Church. Karen is survived by her husband Tim Waters, children Keith, Matt and Stephanie Waters, brothers David, Mike and Gregg Ruhmkorff, sisters Barbie Barkes, Paula Ruhmkorff and Karla Zook. A Mass of Christian Burial will be Saturday, February 19, at 1:30 pm at Nativity Catholic Church. Visitation will be Friday February 18 from 3 – 8 pm at Feeney-Hornak Shadeland Mortuary. Burial will be in Calvary Cemetery. Memorials in Karen’s name may be made to Susan G Koman Breast Cancer Foundation. Condolences may be offered at www.feeneyhornakshadeland.com