JOAN M. PENKALA, 69, formerly of Dyer Street, died Thursday March 6, 2003 at the Grand Islander Health Center, Middletown.

She was the wife of the late John F. Penkala Jr.

Born in Fall River, a daughter of the late Joseph and Genevieve (Boyle) Krawczyk, she was a lifelong resident of Warren.

Mrs. Penkala had been a loan officer at the former Universal CIT Credit, in Providence, for five years before retiring, and had previously been welfare director in Warren for many years.

She was a communicant of St. Mary of the Bay Church, and a graduate of St. Mary Academy Bay View, East Providence, and Bryant College, Smithfield.

She leaves three daughters, Christine Greer of Reston, Va., Mary Beth D'Agostino of Coventry and Rosemary Penkala of East Greenwich; two sons, John F. Penkala of Johnston and Joseph G. Penkala of Bristol and a brother, Gregory Krawczyk of Warren. She was the sister of the late Richard Krawczyk.

Burial will be in St. Mary of the Bay Cemetery.