I am not having success with finding her on the electoral rolls. This
may be Frances and James in 1903
Australian Electoral Roll
1903
CLARKE Frances 7 James Street, South Richmond HD
CLARKE James Patrick 7 James Street, South Richmond Packer
I cannot find any enrolments for a Fanny WHITTAKER or Frances Beatrice WHITTAKER
I am puzzled that we can find nothing on the SA or Vic indexes about her parents.
This is what I have found....
A death for a Capt Charles Alfred
WHITTICOMBE who died on board his ship at Port Adelaide but has been mistranscribed on the SA indexes.
The only
WHITTICOMBE in Victoria is a Joseph
BROWN alias Thomas
WHITTICOMBE whose wife was Ann. He died as Thomas WHITTICOMBE at Sunbury, possibly at the Asylum
Link to newspaper item
http://www.rootschat.com/links/0dji/ New Melbourne general.Cemetery Fawkner. Been there and seen unmarked grave.
Burial record
http://www.rootschat.com/links/0djh/I agree with you - I doubt Frances Beatrice ever married. Unfortunately many births in SA were not registered. You may like to read these items about Civil Regs in South Australia. Have you considered searching Parish Records at Strathalbyn?
http://www.rootschat.com/links/0djk/http://www.rootschat.com/links/0djj/I wish I could have been more helpful

Cheers
Cando