WATERFORD Patricia Ann Roberts, 55, of 3rd Avenue, died unexpectedly Friday, September 30, 2005. Born in Cohoes, she was the daughter of Michael J. and Ethel Bradt Krutka of Cohoes and she was a 1968 graduate of the former Keveny Academy. Pat was employed for the past 18 years at SunMark Federal Credit Union in Schenectady formerly the Watervliet Arsenal Federal Credit Union. Prior to that she had worked at the Key Bank and Cluett and Peabody Co. She was a member of the PAA in Cohoes. In addition to her parents, she is survived by her daughter, Candice Roberts of Albany; her sister, Gail M. Cook and her husband James of Latham; her grandson, Ryan Alexander Reid Lewis of Conn.; her fiance, Paul Smith of Waterford as well as several nieces, nephews, many friends and extended family. Pat is predeceased by her daughter, Heidi Roberts. Funeral services will be Wednesday at 9:00 a.m. at the Philip J. Brendese Funeral Home, 133 Broad St. (Rt. 32), Waterford. Interment will be in St. Michael's Cemetery, Waterford. Relatives and friends may call at the funeral home Tuesday 5-8 p.m.