Frances Mason Samuels (1920-2009) was born in Canton, Ohio to Everett and Lula Wertz Samuels. She was a member of the First Christian Church of Richmond, and had done clerical work for Burnam & Harber and Whitaker & Vencil Insurance Companies. Mrs. Cosby was a member of Madison Country Club and the VFW Auxiliary. She was married to Albert Cosby (1914-1995).