Frances was born in Erina, near Gosford in 1856.  She had two husbands: the first John Kilfoyle, whom she married in 1882 in Sydney, when she was 26 died three years later in 1885, leaving two children behind; the second, Alfred Robertson Bell married her in 1899 after already having having five children (3 girls and 2 boys) in Gunnedah, New South Wales. She passed away in 1931. 
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