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Ann (born 1821) was a daughter of Donald Macrae and Annabella Nicolson, 3 Habost.
In Lochs, in 1848, she married Angus Smith, 8 Achmore. Ann and Angus settled at 8 Achmore and they had a daughter, Kirsty. Angus died in 1851.
In Lochs, in 1862, she married John Macpherson from the Isle of Skye. Ann and John lived in Newvalley, Stornoway.