Nettie was the daughter of J. Floyd & Martha Jane (Whitlock) Holliday. She married William V. Hart on 30 October 1901; they had 9 children (including Neri, Ada Swim, Floyd, Clarence, Anson, Kathleen Anderson, Richard, and Bonnie Ellis). The Harts farmed near Promise City until about 1918, when they moved to Chariton. Like her mother, Nettie lived long enough to see her great-great-grandchildren.