who founded the St.Luke Penny Savings Bank,in Richmond,Virginia.?

Question

She has to be born in 1903 and has to have parents that were former slaves

Answer 1

Maggie Walker founded the Grand United Order of St Luke, which must be related. Here is a bio of her:
http://www.suite101.com/article.cfm/african_american_history/53455

Here it is, Maggie Walker for sure.
http://www.hbs.edu/leadership/database/leaders/930/

She was not born in 1903 -- she founded the bank in 1903.
Since she was born in 1867, no doubt her parents were slaves.