COULTER Mrs. Ruth Smith Age 66, at resident of 363 South Road, Poughkeepsle. On Friday Nov. 7th at Vassar Bros. Hospital. Mother of Sally Smith Coulter and John M. Coulter Jr., a memorial service wilt be conducted at Christ Episcopal Church, 20 Carroll Street, Poughkeepsle, In Monday Nov. 10th at 11 a m .with, the Reverend John L; Kater Jr.", Rector, officiating." Arrangements are under the direction of Thomas CVarland, Funeral Home, 41 Teller Ave, Beacon, N.Y. In lieu of flowers, those who wish, may contribute In her memory to: Dutchess Chapter Heart Fund, 51 Cannon St., Poughkeepsle.