HILDA M. CARDACI, 76, a certified public accountant who was a former cost accounting unit head and assistant finance officer at St. Elizabeths Hospital, died of pneumonia July 23 at Southern Maryland Hospital. She lived in Upper Marlboro.

Mrs. Cardaci worked at St. Elizabeths for 16 years before retiring in 1975. She served as president of the Ladies of the Elks in Silver Spring and Marlow Heights and of the St. Elizabeths Investment Club. She was treasurer of the Marlton Women's Club and a delegate to the Maryland State Federation of Women's Clubs.

She received "woman of the year" awards in the 1980s from both the Marlton Club and the Marlow Heights Lady Elks.

Before moving here in 1945, Mrs. Cardaci attended Georgia State College for Women and Berry College in her native Georgia, taught school in Florida, and did volunteer work while living in New York state. After moving here, she worked for Arthur J. Pomponio & Sons in Arlington and earned a master's degree in accounting at Benjamin Franklin University. She became a certified public accountant in Maryland in 1957.

Her husband of 52 years, Paul F. Cardaci Sr., died in 1982. Survivors include three sons, Joseph M., of Rockville, and Paul F. Jr. and Thomas A., both of Upper Marlboro; a daughter, Mary Jean Smith of Rockville; two brothers, John H. McLendon of South Daytona, Fla., and J. Parker McLendon of Lexington, N.C.; five sisters, Ollna Paulk of Cookesville, Tenn., Myrtle Martin of Akron, Ohio, Juanita Mitchell of Merit Island, Fla., Mary Frances Evans of Paisley, Fla., and Madge Jones of DeLand, Fla., and 11 grandchildren.