Memorials may be given to the First Baptist Church St. Charles Mission Programs. Survived by her husband, Bobby L. Hart of 50 years. Beloved mother of Robbie K. Pierson, Rhomda S. (Jeff) Johnson, Terri G. Terhune and Jill M. (Steven) Hudson; sister, Gail Cullom; brother, Lloyd Ratliffe and John Ratliffe. Preceded in death by her parents, John W. and Lenora Ratliffe; and sisters, Glenda Wells and Jackie Steve. She is survived by many nieces and nephews. Joan was a homemaker and was an active christian member of First Baptist Church of St. Charles. She worked in the church nursery, was a Sunday School Teacher, and worked with Mission Friends and Girls Auxiliary for many years.