Beverly Kay Montgomery was born in 1937, the daughter of Wallace Montgomery and
Mary Louisa Cloud.  Shortly after this Wallace and Mary were divorced and Beverly
grew up as an only child.  Mary Cloud eventually remarried, to Harrold Ratcliff who
adopted Beverly as Beverly Kay Ratcliff.  Many years later Beverly was contacted by
the later children of Wallace Montgomery and his second wife and a reunion
occurred.  It has been a wonderful experience to come to know these relatives that
we didnt know of in the past ten years.

Beverly's mother was one of three children of Wintford Hanford Cloud (1884 – 1940)
and Cladie Bell (1888 – 1962).  Wintford's other two children were Joseph, born in
1908 and Christine, born in 1925.  Joseph married Mary love Jones and they had a
daughter, Leda Jane, in 1953.  Leda Jane married Rodney Kern and they had two
sons, Jonathan, born in 1979 and Robert, born in 1984.  Robert married Ashley Burke
in 2004 and currently serves in the United States Army.  

While I was growing up a trip to New Castle always included a lengthy visit to the
Joseph Cloud farm in Cadiz.  Joseph was one of those unique charactors that is hard
to describe.  I remember fondly sitting and listening to his many tall tales.  Mary Love
cooked dinners that I still remember.  As a young man Joseph served in the Army
during World War II under General Patton and saw action in many battles after the
Normandy landings.  

Wintford's youngest child, Christine, married Fred Carmichael.  They had three
children,  Frederick, Cynthia and Tommy Joe.  Fred Carmichael also served in World
War II and has participated in writing a book about his experiences called 'F
Company' which is well worth reading.  

I am quite interested in the ancestors of the Cloud family.  We have in our possession
a medal from the late 19th century that belonged to Wintford's father Joseph which
identifies him as a member of the 'Red Mans' Lodge' and gives a local chapter name.  
I have included a scan of this in this chapter.  There is speculation that the Clouds
may have Native American ancestry but at the moment there is no documentation
about this.  The surname 'Cloud' is also a well established name with a long history in
England.  Further research is needed.

Wintford's wife Cladie was the daughter of William Henry Bell and Mary Luce.  I have
memories from childhood of large family gatherings with the 'Bell – Williams' clan in
Mount Summit.  It is funny what you remember.  I remember a table covered with
pots of Chicken and Noodle and a separate table literally covered with plates of sliced
tomatoes of every imaginable color.  There was some sort of competition going on as
to who had grown the tastiest tomato that year and the judging was hard.  I have
recently located new information on the ancestors of William Henry Bell, including
locating his grave at the Sunderland Cemetary in Delaware County, Indiana.  James
Luce and Nancy Mcnairy Luce are also buried there.  Both James Luce and  William
Henry Bell appear to have died in the winter of 1889 Flu epidemic.  I have traced the
Bell and Luce families back to the mid 19th century in Coles County, Illinois.  The
Luce family is well documented.  I can  now trace the Bell family back to a man
named Pierce Bell who died in the 1870's in Coles County, Illinois.  Census records
show he originally came from North Carolina.  So many of the family lines we have
data on originate in North Carolina.  Mary Luce led me on perhaps the most enjoyable
research effort of this book.  While Leda Jane Kern was sorting through things at the
old farm after Mary Love's death she came across a report written in 1956 by Edith
Voyles called 'Genealogy of the Luce Family'.  I have included this report in its entirety
in this chapter because of its meticulous detail.  Through this report I have been able
to trace our branch of the Luce family back to a man named John Luce (1764 –
1823).  With this name I have been able to establish a lineage that is well
documented and reliable that is quite impressive.  If you look at the charts attached
to this chapter you will find a Luce line that runs back through the Wines family to the
Mapes family and from the Mapes family there is a well documented connection to
English royalty.  This line actually proceeds back into continental European royal
lines, includes the Merovingian royal line (anyone read the book 'The Da Vinci
Code?) and then proceeds back through early medieval history to the late era of the
Roman Empire.  Whew.  I didn't expect to find that.  This lineage has a much better
documentation than the one I have found for the ancestors of Sarah Schenk
(discussed in the chapter on the ancestors of Angeline Hubbard) and seems to be
taken seriously among genealogists.  Beyond saying that the progression of
descendants is so long and varied it is hard to comment on it all.  In the days just
before my writing this I found another lineage documented by a man named Leo Van
de Pas which branches from the one I have included in the attached charts at Lionel
Welles (1406 – 1461) and proceeds back to to a man named Fergus Mor Mac Erca,
131st monarch of Ireland and King of Dalraida and eventually the first sole monarch
of Scotland.  I  include the commentary of this lineage at the end of this chapter  for
you to read.   During a visit to New Castle in June, 2009 I visited the Sunderland
Cemetary.  I found a sign afixed to the gate of the maintenance shed that listed Edith
Voyles as a Board of Trustee member.  The sign was relatively new and had a
telephone number.  Unfortunately, by the time I called the number Edith was not well
and the became impossible to reach.  That avenue became closed to my research.

Mary Luce's father was the Reverend James Luce (1833 - 1889) and her mother was
a woman named Nancy McNairy (1838 - 1931).    I am working  on research that
seems to identify our branch of the  McNairy family as coming from  Guilford County,
North Carolina.  If I have the connections correct the Francis McNairy who was Nancy
McNairy Luce's father was the child of a James  McNairy of Guilford County, North
Carolina whose father was also Francis McNairy.  He is documented to have married
a woman named Mary Boyd in Lancaster, Pennsylvania in 1761 and later on to have
settled in Guilford County, North Carolina, where they had ten children.  The oldest
son, John, became a Judge in Tennessee and a close political associate of President
Andrew Jackson.  A younger son, James, seems to be the James McNairy who is the
father of Francis McNairy (1815 - ?) who is the father of Nancy McNairy who is the
wife of James Luce.  Interestingly, the home that the elder Francis McNairy built in
Guilford County, North Carolina has been preserved and restored by the same
museum which has also preserved and restored the home built by another of our
ancestors, John Haley, brother of Hugh Healey.  

The Reverend James Luce's father was a man named Benjamin Luce (1790 - ?) who
married a woman named Nancy Ann Ohio Gerard (1795 - ?).  The ancestors of the
our branch of the Gerard family have been traced back to a man named Piere
Garard, born in 1652 in Orleaux, France.  Piere immigrated to the American colonies
and settled in an area of central Virginia settled by many Huguenot refugees from the
persecutions then under way in Europe.  His grandson was John Gerard (1720 –
1787) who is documented as being born in New York state and later on traveling to
Pennsylvania.  He became a well known Baptist preacher who migrated with a group
of baptists to what is now Berkley County, West Virginia.   There is a fair amount of
documentation on the life and career of John Gerard.  I have included some of that
information in this chapter.  John's son Abner (1759 – 1819) was the father of Nancy
Ann Ohio Gerard, who was given the name 'Ohio' to recognize  Abner's migration to
this frontier region in 1795.  There is quite a bit of documentation of Abner and
several  brothers as they settled in Miami County, Ohio.  I have included a selection
of that information in this chapter as well.

Abner Gerard married a woman named Martha Patsy Lloyd (1765 – 1842).  The
ancestors of our branch of the Lloyd family have been traced back to a man named
David Lloyd, born sometime in the late 17th century in Virginia.  Martha's mother was
a woman named Judith Pemberton.  The  lineage of Judith Pemberton is a hot topic
currently on various genealogical forums and at some point I will need to engage in
these discussions.  One branch of her ancestors  descends from a man named
George Xavier D'Rochelle of whom there is little additional information.  He was
possibly another Huguenot refugee.  Another branch leads to a man named James
Pemberton.  This James Pemberton was either a land owner in Virginia or  wealthy
sugar plantation owner on the Caribbean island of Barbados.  Or possibly he is one
and the same.  There are many conflicting theories at the moment and
documentation which seems to support all the different positions taken by various
genealogists.  The Pemberton family has a long and interesting background in
England but more    research is needed to more clearly understand our relationship   
to the abovedescribed James Pemberton.
Three generations of the Clouds are seen in this photo from 1954.  Beverly Kay
Ratcliff sits in her bedroom while reflected in the mirror is Cladie Cloud on the left,
taking a flash photograph and Mary Louisa Cloud Ratcliff on the right.  You get the
sense this is a special occasion.
Jim Wilkinson