LORETTA A. URBAN, (nee Elwell), age 71.  Beloved wife of Craig; loving mother of Tiffany Liss (Ronald Jr.), Christian, and Dena Figueroa (Xavier); cherished grandmother of Austin, Caleb, Maiya, and Leila; dear sister of Toni Grimes (Gary) and Pat Certo (Dan); devoted aunt of John and Michael Karlock (Carrie); dearest great-aunt of many.  Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME, 4640 TURNEY RD., where a prayer service will be held Thursday, March 19 at 10:00 AM.  Interment All Saints Cemetery. VISITING HOURS: WEDNESDAY 2-4 and 6-8 PM.