A. Fred Garner, 69, a longtime banker and businessman in Prince George's County, died Monday at the Southern Maryland Medical Center in Clinton. He had a heart ailment.

He had been affiliated with the Bank of Brandywine for the last 20 years and was one of its vice presidents at the time of his death. He also had sold real estate for about 10 years with the F. L. Jenkins real estate firm in Marlow Heights.

Mr. Garner was born in Waldorf and lived in Clinton for 48 years before moving to La Plata three years ago. He owned and operated Fred Garner's Market in Brandywine for about 15 years before selling the store in 1968. He also had done real estate appraisal work for the Prince George's County over the years.

He was a member of the Democratic State Central Committee for Prince George's County during the 1950s and was a lifelong member of the Southgate Lions Club.

Survivors include his wife, Alma, of La Plata; a daughter, Catharine Garner, two sons, Delaney and Fred, and a sister, Florence Bowling, all of La Plata; three brothers, Elton, William and Reginald, all of Waldorf, and two grandchildren.