JOAN E. KACZMARCZYK, age 78. Beloved daughter of Raymond and Stella (nee Dynik) Kaczmarczyk (both deceased); loving sister of Louise A. Kaczmarczyk; dear friend of many.  Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME , 4640 TURNEY RD. , where services will be held Monday, January 3, at 9:15 AM and at St. Monica Church, Rockside Rd., at 10:00 AM.  Interment Calvary Cemetery. VISITING HOURS: MONDAY 8 AM until time of services.