Throughout her life, Margaret Livingston Gardner stated that she was born in Lochgilphead, Argyll, Scotland. After a lengthy search to document her birth, I have found that she was actually born in Ardfern. Ardfern was a settlement located approximately 15 miles north of Lochgilphead in the parish of Kilmartin. It would appear that Margaret was naming a nearby large city so others would know approximately where she was from. Below is the page in the Kilmartin parish register that recorded her infant baptism.
Kilmartin Parish Register, 1746-1856, vol. 1, p. 132 (FHL #1,041,071 item 1)
Following is a map to show the relative locations of Ardfern, Kilmartin, and Lochgilphead. You may need to zoom out or drag the map north and south to see all three markers.
View Argyllshire, Scotland in a larger map