Frances Kirby was born in Connecticut and married Judge Joseph Lee Smith.
They moved to St. Augustine, Florida soon after their marriage in about 1820, and though Judge Smith died in 1847, she remained in the city after the Union took occupation of Fort Marion (Castillo de San Marcos) in 1862.
During the War, She got mail out to Confederate soldiers and entertained Federal officers to learn of plans and pass on the information.
Smith was exiled following the spring 1863 Federal government order calling for removal of Southern sympathizers.
Various local documents record her as "brilliant and spirited, full of fire and ambition throughout her long life".