Kvaal Ethel Marie (nee Simpson), of White Bear Lake, Jan. 8. Beloved wife of Merlin. Memorial service 11 am Saturday at ST. ANDREW'S LUTHERAN CHURCH, 900 Stillwater Rd., Mahtomedi. Visitation 4-8 pm Friday at ANDERSON FUNERAL HOME, 1401 Arcade St., St. Paul. 651-776-2761