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Female Annie M. Garrard Click to view Annie M. Garrard in the family tree

Annie M. was born in 1849 in , Bourbon, Kentucky.  Annie M.'s father was Charles Garrard and her mother was Mattie B. Kennedy.  Her maternal grandparents were Washington Kennedy and Elizabeth Bedford. She had five brothers and three sisters, named Edward, James W., Brutus C., Charles T., John W., Julia, Sarah and Mary.  She was the third youngest of the nine children.

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