Carol Hawley of the host Chevy Chase Club received a good-luck telephone call from one of her five grandchildren and then won the 51st Women's District Golf Association Keefer Cup in a playoff yesterday.

Hawley's bogey on the second hole of sudden death was good enough to defeat Fran Schultz of Army Navy after both finished with 36-hole net scores of 147.

Hawley added an 86 yesterday to her first-round 85 and subtracted her 12 handicap each day to arrive at her total. Schultz, who has an 8 handicap, shot 83 yesterday and 80 in Wednesday's opening round. It was Hawley's first WDGA victory.

Hawley maintained she doesn't "have the nerve" for golf, but her name will nevertheless be inscribed on the $10,000 sterling silver trophy.

It was Schultz who came unraveled in the playoff. After they tied the first hole the two golfers went to the long par-4 second hole. Schultz half-topped her tee shot, topped her second shot, and finished with triple bogey 7. Hawley was on the green in three and two-putted from 20 feet.

Hawley appeared out of the running when she was nine over par after eight holes. But then she righted herself with her only birdie on the day on the par-3 ninth hole, where she laced her tee shot two feet from the cup and sank the short putt for deuce.

Hawley started the day two strokes behind first-round leader Arlene English of Congressional and one behind Army Navy clubmates Schultz and Lorraine Elder. English faltered with a four-putt green for a triple bogey on the front nine, and then took a water-induced quadruple bogey on a back-nine hole, finishing six shots back at net 153.