Frances Wisebart was born March 29, 1843 in Harrodsburg, Kentucky to Leon Wisebart, a tailor, and his wife. In addition to Frances, they had a son, Jacob (also called Benjamin), and five more girls, all of whom attended public school. Frances was a school teacher in Cincinnati, Ohio before she married Abraham Jacobs on February 18, 1863. After their marriage, the newlywed couple traveled by wagon to Colorado where Abraham Jacobs and Frances' brother, Jacob Wisebart had established stores in Denver and Central City. Frances and Abraham had two sons, one named Benjamin, and a daughter, named Evelyn.