CHARLOTTE A. ZAT, (nee Bartch), age 90. Beloved wife of the late Basil; loving mother of Mary Lou Jajola (Rick) and Elizabeth Kvetko (Daniel); cherished grandmother of Ashley Jajola and Lance Kvetko.  Family suggests contributions to Crossroads Hospice, 10810 E. 45 ^th St., Suite 300, Tulsa, OK 74146.  Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME , 4640 TURNEY RD., where services will be held Tuesday, September 19, at 11:00 AM. MEMORIAL GATHERING:  TUESDAY 9:00 AM until time of service. Interment Holy Cross Cemetery.