church lady from nancy howard. john was a murky blend of money and murdererous intent. john was frank howard. a photograph of frank howard, sitting in the lexus, billy johnson sitting on his motorcycle. he may have been frank to his friends and mr. john to the east texans, but in truth, his full name was john franklin howard. a/k/a, frank. three names for a man who evidently had been living three lives. one with his wife in carrollton, one with his misstress in california, and one in the east