Newbie trying to Design a Database

Ok gang, here goes....I am brand new at database design so some of this will seem elementary, but I need to ask before I get lost :o)

I would like to my database to catalog memorial cards, aka funeral cards. If I'm not mistaken I could set up 3 tables with the following fields:

T1: MemCards
f1: CardID
f2: Surname
f3: First
f4: Middle
f5: Maiden/AKA
f6: DoB
f7: Dod
f8: Mortuary (from T2)
f9: Cemetery (from T3)
f10: Notes
f11: Card Scan (picture field???)

T2: Mortuary
f1: MortID
f2: MortName

T3: Cemetery
f1: CemID
f2: CemName

Now my question is...Would it be advantageous for me to set this database up like this, or should I leave it "flat" and include everything in one table, then type the mortuary name and cemetery name each time they occur? For some reason I thought it would be easier to list the half a dozen mortuaries we have in the area in a table by itself and then just pick from the list when I add a new record to the database. Same way with the cemeteries.

This newbie would really appreciated some suggestions.......Floyd