Resting is 97 bad pulse rate for a 62 female ?

Fast: Yes it is a little fast but you can start regular walking exercise everyday and your pulse will come down.

Heart rate: Resting heart rate depends on many factors. While 97 is a relatively high resting rate, it must be taken in context with a number of situational and physiologic factors. One simple one is heart size vs body mass. Some of us just have smaller hearts genetically than others, this forces resting rate to be higher than might be the case otherwise. Other factors too. If you're concerned talk to your dr.