Margaret "Peggy" McCormack Caldwell, a second grade teacher at Montclair Elementary, died in a car accident on July 4, 1994.  Born in Birmingham, AL into one of  Pensacola's oldest families, Mrs. Caldwell was a Florida State graduate and a member of Tri Delta Sorority.  She was a member of St. Paul Catholic Church and the Junior League of  Pensacola.  Mrs. Caldwell is the daughter of Marianna McCormack Caldwell and the late Robert Campbell Caldwell, Jr.  Her survivors include her sister, Judy McLeod of Pensacola, two brothers, Robert Campbell Caldwell, III and Charles McCormack Caldwell, both of Pensacola; three nieces, six nephews and one grandnephew.  Funeral services will be at 10 a.m., Thursday, July 7 at St. Paul Catholic Church with Msgr. George Sindik and the Father Joseph Callipare officiating.  Burial will be in St. John's Cemetery.  Harper Morris Memorial Chapel is in charge of arrangements.  The family will receive friends from 5 to 7 p.m. Wednesday.  The rosary will be said on Wednesday evening 7 p.m. at Harper Morris Memorial Chapel.  Pallbearers will be Miller Caldwell. West Caldwell, Tom Daniel, Donald McLeod, Jr., Eric Nickelsen, Grover Robinson, III and Tommy Turner.  The family requests that in lieu of flowers, donations be sent to the Sacred Heart Children's Hospital.