JOAN D. BIEGACKI, (nee Wright), age 81.  Beloved wife of the late Richard J.; loving mother of Steven R. (Lee Ann) and Deborah Biegacki-Fernandez; cherished grandmother of Matthew (Megan) and David Biegacki and Christian and Ian Fernandez; devoted great-grandmother of Joseph Biegacki; dear sister of John Wright (deceased).   Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME, 4640 TURNEY RD ., where services will be held Wednesday, October 26, at 9:30 AM., and at SS. Peter & Paul Church, Turney Rd., at 10:00 AM.  Interment All Saints Cemetery. VISITING HOURS:  TUESDAY 2-4 and6-8 PM.