She was born May 1, 1881 in Clark County, Georgia, the daughter of Benjamin Franklin Huff and Margaret (Maggie Lavonia), maiden name either May or Segall.

Fannie had a twin brother, James, a sister, Mattie and brothers John Thomas (Tom), William Andrew, and Otis Huff.

Fannie married Milton Prater in Newton County, Georgia in 1899. Their three children were: Katherine, Winnifred, and Blanche Vonn Prater. Only Blanche Vonn survived early childhood.

After the death of James? Prater, Fannie married William Thomas Tate. Their daughter, Carmen Elizabeth Tate married Oscar Harden..

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