Frances "Fannie" Lillian (Willard) Munds was born June 10, 1866, in Franklin, Sacramento County, California, the daughter of Mary Grace (Vineyard) and John (also known as Joel and George) Willard, a pioneer of California and Nevada.
To attend school, Fannie moved east and lived with her sister's family. She graduated from the Central Institute in Pittsfield, Maine, in June 1885. Her parents moved to Prescott, Yavapai County, Arizona Territory, during this time. After graduating, she joined her parents in Prescott. She became a teacher, and her job was in the Mormon village of Pine. Other teaching jobs took Fannie to Payson and Mayer (where she was the first schoolteacher), and finally to Jerome.
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