KRAMER, Joseph F., beloved husband of Lillian C. (nee Herbers) Kramer, devoted father of Mary Henninger and Joseph C. Kramer, dear father-in-law of Diana Kramer, dear grandfather of Beth (Eric) Borgemenke & Timothy Henninger, & Scott, Kerri & Kevin Kramer, dear brother of Melba Bender of Sidney, OH & the late Albert J. Kra- mer, also survived by many nieces & nephews. On Monday, July 22, 1996 at 77 years of age. Retired 1980 from P&G and then did volunteer work with SCORE (Service Corps of Retired Executives) for 12 years. Visitation B.J. Meyer Sons (Overlook) Funeral Home, 4841 Glenway Ave. (next to St. Teresa Church) on Wednesday from 5:00 PM to 8:00 PM. Mass of Christian Burial at St. Teresa of Avila Church, Thursday at 10:30 AM. Memori- als may be made to St. Teresa Memorial Fund, 1175 Over- look Ave., Cinti, OH 45238.