Frances M. Smith , age 71, of Chesapeake, Virginia, formerly of Gaylord, Michigan, went home to be with the Lord on February 6,2020. Fran was born in Grayling, Michigan on July 6, 1948 as the second child of her late parents, James E and Magdalene F.(Holewinski) Smith. Fran was a member of St Mary Cathedral. She enjoyed many hobbies including embroidery, painting, bicycle riding, and most of all baking. ( She was known for her delicious banana bread, no bake and snickerdoodle cookies). Fran had a love for all animals but especially horses. She had a big heart. She is survived by her daughter,Crystal D Fairgrieve of Helena, MT, siblings Thomas Smith of St Joseph, MI, William (Kathleen) Smith of Chesapeake, VA, James Smith (Janet Allen) of Gaylord, MI, Marybeth (Robert) Neubert of Gaylord, MI and Joseph (Jeanne) Smith of Chesapeake, VA. She is also survived by numerous nieces nephews and great nieces and nephews. The family will gather for a graveside memorial in June at St. Mary Cathedral’s Resurrection Cemetery. Donations to honor Fran’s memory may be made to the Otsego County Animal Shelter or the Alzheimer’s Association.