Nothing is known about Fannie's background. She appears to have a relative, Ulysses Howard, buried at Blackwater's cemetery.
Fannie works in the saloon in Blackwater, where she can be seen cleaning the establishment or, sometimes, behind the counter. However, when she is behind the counter, she will not sell drinks to the player. She can also be found playing blackjack.
- “I can't take this! I can't!”
- — Fannie Howard when threatened