On December 15, 2004, LORETTA S. (nee Sandkuhler); beloved wife of Frederick F. Kerby; devoted mother of Elaine Grams and her husband Victor; dear sister of Rita Nuth, Miriam Welty and the late Angela Sandkuhler, Doris Back and Francis Sandkuhler; loving grandmother of Mark and Steven Grams and great-grandmother of Ryan and Noelle Grams. Friends may call at the family owned Leonard J. Ruck, Inc. Funeral Home, 5305 Harford Road (at Echodale), on Sunday from 2 to 4 and 7 to 9 P.M. A Funeral Mass will be celebrated at St. Ursula Church, on Monday, 10 A.M. Interment Parkwood Cemetery. In lieu of flowers, contributions may be made to the Alzheimer's Association of Maryland, 1850 York Road, Suite D, Timonium, MD 21093.

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