Carol,
I have narrowed down that she was the grand daughter of George Washington Beddingfield (Bedingfield) and Abigail "Alzie" M. Hart. Her brother was John Asey Bedingfield who died in Greenwood, SC and married Mamie Pace. Both Pheba and Asey were born in TN.

Both Pheba and Asey Bedingfield were living were their cousin in the 1900 Census:
1900 Census: Green River, Henderson Co, NC
Furman P Pace, head, m, w, Mar 1878, 22, married 3 yrs, born NC, father born NC, mother born NC, farm laborer
Emma J Pace, wife, f, w, Aug 1873, 26, married 3 yrs, 0 children, born NC, father born NC, mother born NC
Asia Bedingfield, cousin, m, w, Mar 1888, 12, born TN, father born NC, mother born NC, farm laborer
Pheba Bedingfield, cousin, f, w, Sep 1889, 10, born TN, father born NC, mother born NC, farm laborer

Emma Jane Bedingfield was the daughter of Ephriam "Decatur" Beddingfield and Sara Elizabeth Bane.

Let me know if you can Id her parents.
Ricky Pace
Inman, SC