Student, Coker College, 1959-1960; Bachelor of Science Bus Administration cum laude, University of Southern California, 1963; Master of Business Administration, University of Southern California, 1964; student, Michigan State University, 1964.
Instructor marketing, Rider College, Trenton, New Jersey, 1966-1968; assistant professor business administration economics, College Charleston, South Carolina., 1969-1971; adjunct accounting faculty, Rochester Institute Technology, New York, 1975; 1st vice president, Laredo National Bank, Texas, 1981-1989, 92-; private practice, Fran Lloyd Certified Public Accountant, Laredo, Texas, 1989-1992. Visiting instructor Laredo (Texas) State University since 1988. Chapter 7 bankruptcy panel trustee Southern District Texas.
Board member Animal Protective Society, Laredo, Texas, Laredo Philharmonic Orchestra, Leadership Laredo. President Webb County (Texas) Heritage Foundation, 1990, 1991, 1993, vice president, 1989. Treasurer Webb County (Texas) History Committee, 1989-1990, 1993, commissioner since 1989, United Daughters Confederacy, Columbia, South Carolina, since 1963.
President Women Christ Episcopalian Church, Laredo, 1989, vestry junior warden, 1989-1991. Volunteer Mi Laredo, since 1989. Member American Institute of Certified Public Accountants, Texas Society Certified Public Accountant, Laredo (Texas) Gateway Rotary.