Lois Holzapple of Army Navy, who loves playing in the wind and rain, won the 49th Keefer Cup yesterday at Chevy Chase Country Club with a net 146 for two days' play.

Ruth Meaders, also of Army Navy, won low gross with 159 for 36 holes. The wife of a retired Navy surgeon who moved here from Memphis last October, she shot a six-over-par 77 yesterday, becoming the only golfer to break 80.

Rain and wind accompanied the women yesterday but the Chevy Chase course was in superb condition and scores were lower than expected. Em Kennedy of Army Navy, the first-day leader, took second low net with 149 in a match of cards with clubmate Betty Looney.

It was almost an Army Navy field day. The Arlington Club won four of the top five low-net prizes and three of the first four low-gross prizes.

Holzapple, who won her club championship two years ago, had seven pars, eight bogeys and three double bogeys, all on the par-4s. She parred three of the four short holes. She had a double bogey on the seventh when she three-putted, on the 15th when she went into the water, and on the 16th when she chipped poorly.

Meaders, who has a five handicap, was out in 37 and back in 40. She played steadily with eight pars and one birdie -- the par-5 eighth with an eight-foot putt.