There have been many heroes in the annals of San Francisco, from the faculty wives who spearheaded the Save the Bay movement to the nurses and doctors on Ward 5B at San Francisco General Hospital who treated AIDS patients in the early days when that disease inspired Black Death-like terror. But as Dennis Smith relates in "San Francisco Is Burning: The Untold Story of the 1906 Earthquake and Fires," none is more worthy of remembrance than Navy Lt.