MONROE-Mercedes Turner of the Bronx bought a $10 raffle ticket from the Monroe Free Library as a lark. Purchasing the ticket while visiting relatives in Monroe, she never expected that her ship would come in. Recently, Turner's raffle ticket was randomly drawn as the winner by seven-year-old Rachel Biton of Monroe. "When we got married two years ago we didn't have a honeymoon," said Turner's husband Drew. "Now we will have one." The Turners will be traveling to Bermuda on the Celebrity Zenith in May. The Monroe Free Library sponsored a successful cruise to Bermuda last year and is offering a cruise again this year. All accommodations are outside cabins for $1,015. Tickets for the cruise can be purchased at the Monroe Free Library, 44 Millpond Parkway. For information, call 783-4411.