SERVICES: Graveside services will be at 10:00 AM Thursday, Jan. 2, 2003 at Fairview Cemetery. Memorial services will be at 11:00 AM Thursday at the First Presbyterian Church with Dr. Edwin Cooley, pastor, and Nancy Ruff, officiating. Arrangements are by Carmichael-Whatley Funeral Directors.<br><br>BIOGRAPHY: Mrs. Ruff was born March 21, 1914 in Shamrock, Texas. She had been a resident of Pampa since 1940. She married Shelby J. Ruff on January 6, 1934 in Mobeetie. He preceded her in death on December 2, 1989. She and her husband were co-owners and operators of Shelby J. Ruff Furniture Store from 1954 until 1979. She was a former member of Priest Park Church of God, and was a current member of the First Pentecostal Holiness Church.<br><br>SURVIVORS: 1 Daughter: Anne Zochowski and her husband George of Brandon, MS. 1 Son: Mike Ruff and his wife Nancy of Pampa. 1 Brother: Floyd Austin of Pampa. 8 Grandchildren, 8 Great-Grandchildren.<br><br>MEMORIALS: to a favorite charity.