On July 23, 2003, MARGARET C. SPENCER (nee Carter); beloved wife of the late Morris King Spencer; devoted mother of James Spencer and Margaret McKibbin; dear sister of the late Harry Gilmore Carter; dear grandmother of Lisa Karalekas and Chris Votolato; dear great-grandmother of George and Alexandra Karalekas. Friends may call at the family owned Ruck Towson Funeral Home, Inc., 1050 York Road (beltway exit 26A), on Friday from 2 to 4 and 7 to 9 P.M. A funeral service will be held in the Church of the Nativity, York and Cedarcroft Roads, on Saturday at 11 A.M. Interment Dulaney Valley Memorial Gardens. In lieu of flowers, contributions may be made to Goucher College, 1021 Dulaney Valley Road, Baltimore, MD 21204.

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