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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000318673-00-000004.txt : 20000331
<SEC-HEADER>0000318673-00-000004.hdr.sgml : 20000331
ACCESSION NUMBER:		0000318673-00-000004
CONFORMED SUBMISSION TYPE:	NT 10-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	19991231
FILED AS OF DATE:		20000330

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SECURITY NATIONAL FINANCIAL CORP
		CENTRAL INDEX KEY:			0000318673
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				870345941
		STATE OF INCORPORATION:			UT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		NT 10-K
		SEC ACT:		
		SEC FILE NUMBER:	000-09341
		FILM NUMBER:		585977

	BUSINESS ADDRESS:	
		STREET 1:		5300 S 360 WEST STE 310
		STREET 2:		P.O. BOX 57250
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84123
		BUSINESS PHONE:		8012641060

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 57250
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84123

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SNL FINANCIAL CORP
		DATE OF NAME CHANGE:	19910401
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-K
<SEQUENCE>1
<TEXT>


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25
                           NOTIFICATION OF LATE FILING

                         Commission File Number: 2-35669


(Check One)

X        Form 10-K  and Form 10-KSB  Form 11-K

         Form 20-F  Form 10-Q and Form 10-QSB  Form N-SAR

         For period ended:  December 31, 1999

         Transition Report on Form 10-K and Form 10-KSB

         Transition Report on Form 20-F

         Transition Report on Form 11-K

         Transition Report on Form 10-Q and Form 10-QSB

         Transition Report on Form N-SAR

         For the Transition Period Ended:

         Read Attached Instruction Sheet Before Preparing Form.
         Please Print or Type.

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

If the notification relates to a portion of the filling checked above,  identify
the Item(s) to which the notification relates:

                                         PART I
                                 REGISTRANT INFORMATION

Full name of registrant:             Security National Financial Corporation

Former Name if Applicable:

Address of Principal Executive Office (Street and Number)

                  5300 South 360 West, Suite 250
                  Salt Lake City, Utah 84123

                                         PART II
                                 RULES 12b-25(b) AND (c)

If the subject report could not be filed without  unreasonable effort or expense
and the  registrant  seeks relief  pursuant to Rule  132b-25(b),  the  following
should be completed. (Check box if appropriate).

          (a)  The reasons  described in  reasonable  detail in Part III of this
               form  could  not be  eliminated  without  unreasonable  effort or
               expense:

          X    (b) The subject annual  report,  semi-annual  report,  transition
               report on Form 10-K,  Form 20-F,  11-K or form N-SAR,  or portion
               thereof,  will be filed on or before the  fifteenth  calendar day
               following  the  prescribed  due date;  or the  subject  quarterly
               report of transition report on Form 10-Q, or portion thereof will
               be filed on or  before  the  fifth  calendar  day  following  the
               prescribed due date; and

          (c)  The  accountant's  statement  or other  exhibit  required by Rule
               12(b)-25(c) has been attached if applicable.

                                        PART III
                                       NARRATIVE

State below in reasonable  detail the reasons why Forms 10-K, 11-K, 10-Q, N-SAR,
or the  transition  report or  portion  thereof,  could not be filed  within the
prescribed time period. (Attach extra sheets if needed.)

The Form 10-K cannot be completed  within the  requested  time period due to the
complexities and additional time involved in completeing the required  financial
statements,  primarily  as a result of the  change in  registrant's  independent
auditors  from Ernst & Young LLP to Tanner + Co.,  effective  as of December 21,
1999,  and the change in  personnel  in the  accounting  department  of Southern
Security Life Insurance Company ("Southern Security"), which registrant operates
as a subsidiary  due to the December 7, 1998  acquisition by registrant of 57.4%
of the outstanding shares of common stock of Southern Security.

                                        PART IV
                                   OTHER INFORMATION

(1)  Name  and  telephone  number  of  person  to  contact  in  regard  to  this
     notification

     Randall A. Mackey           801          575-5000
     (name)                                 (area code)       (telephone number)

(2)  Have all other periodic  reports  required under Section 13 or 15(d) of the
     Securities Exchange Act of 1934 or Section 30 of the Investment Company Act
     of 1940 during the  preceding 12 months (or for such  shorter)  period that
     the registrant was required to file such report(s) been filed? If answer is
     no, identify report(s).

                  X  Yes            [ ] No

(3)  Is it anticipated that any significant change in results of operations from
     the corresponding  period for the last fiscal year will be reflected by the
     earnings  statements  to be  included  in the  subject  report  or  portion
     thereof?

If so, attach an explanation of the  anticipated  change,  both  narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.

                  [ ] Yes           X  No

                     Security National Financial Corporation
                  (Name of Registrant as Specified in Charter)

Has  caused  this  notification  to be signed on its  behalf by the  undersigned
hereunto duly authorized.

Date:        March 30, 1999                 By:  Scott M. Quist
                                            Scott M. Quist
                                            First Vice President, General
                                            Counsel and Treasurer

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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