Effie (Pappas) Toulas, 101, of Haverhill, died Sunday night, Nov. 1, at Holy Family Hospital at Merrimack Valley, Haverhill. She was born in Lowell, June 1, 1914, daughter of the late George and Xanthi (Lathas) Panagiotopoulos. Toulas was educated in the Haverhill school system. Prior to moving b