Reina G. Wagner, who had been a bookkeeper for many years for Riverside Savings and Loan Association, died Thursday of heart failure at her home on Old Harford Road in Parkville. She was 98.

Services for Miss Wagner were being held today at the Johnson Funeral Home, 8521 Loch Raven Blvd.

She is survived by two nieces, Phyllis W. Mowbray of Westminster and Reina W. Leverton of Parkville; and many grandnieces, grandnephews and great-grandnieces and great-grandnephews.