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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000318673-03-000014.txt : 20030428
<SEC-HEADER>0000318673-03-000014.hdr.sgml : 20030428
<ACCEPTANCE-DATETIME>20030428133049
ACCESSION NUMBER:		0000318673-03-000014
CONFORMED SUBMISSION TYPE:	SC 13G
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20030428
GROUP MEMBERS:		SECURITYNATIONALFINANCIALCORPORATION

SUBJECT COMPANY:	

	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:		SC 13G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-32905
		FILM NUMBER:		03666330

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157
		BUSINESS PHONE:		8012641060

	MAIL ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SNL FINANCIAL CORP
		DATE OF NAME CHANGE:	19910401

FILED BY:		

	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:		SC 13G

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157
		BUSINESS PHONE:		8012641060

	MAIL ADDRESS:	
		STREET 1:		PO BOX 57220
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84157

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SNL FINANCIAL CORP
		DATE OF NAME CHANGE:	19910401
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G
<SEQUENCE>1
<FILENAME>section13g.txt
<TEXT>
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   SECTION 13G


                    Under the Securities Exchange Act of 1934

                        (Amendment No. _______________)*


                     SECURITY NATIONAL FINANCIAL CORPORATION
                                (Name of Issuer)


                              Class A Common Stock
                         (Title of Class of Securities)


                                    814785309
                                 (CUSIP Number)


Check the following box if a fee is being paid with this  statement [ ] A fee is
not  required  only if the filing  person (1) has a previous  statement  on file
reporting  beneficial  ownership  of more  than  five  percent  of the  class of
securities  described  in Item 1;  and (2) has  filed  no  amendment  subsequent
thereto reporting  beneficial  ownership of five percent or less of such class.)
(See Rule 13d-7).

* The remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).



<PAGE>


CUSIP No. 814785309        13G                                Page 2 of 7 Pages

1.  NAME OF REPORTING PERSONS
       Security National Financial Corporation's Employee
       Stock Ownership Plan
       Trustee:     George R. Quist, Scott M. Quist and
                    Robert G. Hunter, M.D.

2.  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *     (a)   [  ]
                                                           (b)   [  ]

3.  SEC USE ONLY


4.  CITIZENSHIP OR PLACE OR ORGANIZATION

                   5.  SOLE VOTING POWER
                       Class A   507,490
                       Class C 1,408,653   (convertible into Class A common
                                            Stock at the Ratio of ten shares
                                            Class C to one Share Class A)
NUMBER OF SHARES
BENEFICIALLY OWNED BY
EACH REPORTING PERSON
WITH
                   6.       SHARED VOTING POWER

                                        -0-

                   7.  SOLE DISPOSITIVE POWER
                       Class A   507,490
                       Class C 1,408,653 (convertible into Class A Common stock
                                          at the ratio of ten shares Class C
                                          into one share Class A)

                   8.  SHARED DISPOSITIVE POWER

                        -0-

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         Class A 507,490 Class C 1,408,653 (convertible into Class A at the
                                            ratio of ten shares of Class C to
                                            one share Class A)

10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
         N/A

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
         Class A  10.9%  Class C 23.1%

12.      TYPE OF REPORTING PERSON*

         EP

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!

     In  accordance  with Rule 13d-4,  any person may  expressly  declare in any
statement  filed that the filing of such statement  shall not be construed as an
admission that such person is, for the purposes of Section 13(d) or 13(g) of the
Act, the beneficial owner of any securities covered by the statement.


<PAGE>


                          INSTRUCTIONS FOR SCHEDULE 13G


Instructions for Cover Page

(1)  Names and Social Security  Numbers of Reporting  Persons - Furnish the full
     legal name of each person for whom the report is filed - i.e.,  each person
     required to sign the schedule itself - including each member of a group. Do
     not include the name of a person  required to be  identified  in the report
     but who is not a reporting person.  Reporting persons are also requested to
     furnish their Social Security or I.R.S.  identification  numbers,  although
     disclosure  of such  numbers is  voluntary,  not  mandatory  (see  "SPECIAL
     INSTRUCTIONS FOR COMPLYING WITH SCHEDULE 13G," below).

(2)  If any of the shares beneficially owned by a reporting person are held as a
     member of a group and such membership is expressly  affirmed,  please check
     row 2(a).  If the  membership  in a group is  disclaimed  or the  reporting
     person describes a relationship  with other persons but does not affirm the
     existence of a group, please check row 2(b) [unless a joint filing pursuant
     to Rule  13d-1(e)(1)  in which  case it may not be  necessary  to check row
     2(b)].

(3)  The third row is for SEC internal use; please leave blank.

(4)  Citizenship  or Place of  Organization  - Furnish  citizenship if the named
     reporting  person  is  a  natural  person.  Otherwise,   furnish  place  of
     organization.

(5)-(9), (11) Aggregate Amount Beneficially Owned by Each Reporting Person, Etc.
     -  Rows  (5)  through  (9)  inclusive,  and  (11)  are to be  completed  in
     accordance  with the provisions of Item 4 of Schedule 13G. All  percentages
     are to be rounded off to the nearest tenth (one place after decimal point).

(10) Check if the aggregate  amount  reported as  beneficially  owned in row (9)
     does not include  shares as to which  beneficial  ownership  is  disclaimed
     pursuant to Rule 13d-4 [17 CFR 240.13d-4] under the Securities Exchange Act
     of 1934.

(12) Type  of  Reporting  Person  -  Please  classify  each  "reporting  person"
     according to the following breakdown (see Item 3 of Schedule 13G) and place
     the appropriate symbol on the form:

             Category                          Symbol
             Broker Dealer                       BD
             Bank                                BK
             Insurance Company                   IC
             Investment Company                  IV
             Investment Adviser                  IA
             Employee Benefit Plan, Pension Fund,
               or Endowment Fund                 EP
             Parent Holding Company              HC
             Corporation                         CO
             Partnership                         PN
             Individual                          IN
             Other                               OO

Notes:

     Attach as many  copies of the second  part of the cover page as are needed,
one reporting person per page.

     Filing persons may, in order to avoid unnecessary duplication, answer items
on the schedules (Schedule 13D, 13G or 14D-1) by appropriate cross-references to
an item or items on the cover page(s).  This approach may only be used where the
cover page item or items  provide all the  disclosure  required by the  schedule
item. Moreover, such a use of a cover page item will result in the item becoming
a part of the schedule and accordingly  being considered as "filed" for purposes
of  Section  18 of the  Securities  Exchange  Act or  otherwise  subject  to the
liabilities of that section of the Act.

     Reporting  persons may comply with their cover page filing  requirements by
filing either completed copies of the blank forms available from the Commission,
printed or typed  facsimiles,  or  computer  printed  facsimiles,  provided  the
documents  filed  have  identical   formats  to  the  forms  prescribed  in  the
Commission's  regulations and meet existing  Securities Exchange Act rules as to
such matters as clarity and size (Securities Exchange Act Rule 12b-12).


<PAGE>


              SPECIAL INSTRUCTIONS FOR COMPLYING WITH SCHEDULE 13G

     Under Sections 13(d),  13(g), and 23 of the Securities Exchange Act of 1934
and the rules and  regulations  thereunder,  the  Commission  is  authorized  to
solicit the  information  required  to be  supplied by this  schedule by certain
security holders of certain issuers.

     Disclosure  of the  information  specified in this  schedule is  mandatory,
except for Social Security or I.R.S. identification numbers, disclosure of which
is  voluntary.  The  information  will  be  used  for  the  primary  purpose  of
determining and disclosing the holdings of certain  beneficial owners of certain
equity  securities.  This  statement  will be made a matter  of  public  record.
Therefore,  any information given will be available for inspection by any member
of the public.

     Because of the public nature of the information, the Commission can utilize
it  for  a  variety  of  purposes,  including  referral  to  other  governmental
authorities  or  securities  self-regulatory   organizations  for  investigatory
purposes or in connection with litigation  involving the Federal securities laws
or other civil,  criminal or regulatory statutes or provisions.  Social Security
or I.R.S.  identification  numbers, if furnished,  will assist the Commission in
identifying security holders and, therefore,  in promptly processing  statements
of beneficial ownership of securities.

     Failure to disclose the information requested by this schedule,  except for
Social  Security  or  I.R.S.  identification  numbers,  may  result  in civil or
criminal  action  against  the persons  involved  for  violation  of the Federal
securities laws and rules promulgated thereunder.

                              GENERAL INSTRUCTIONS

A.   Statements  containing the  information  required by this schedule shall be
     filed not later than February 14 following the calendar year covered by the
     statement or within the time specified in Rule 13d-1(b)(2), if applicable.

B.   Information  contained  in a form  which is  required  to be filed by rules
     under section  13(f)(15  U.S.C.  78m(f)) for the same calendar year as that
     covered by a statement on this schedule may be incorporated by reference in
     response  to any of the  items of this  schedule.  If such  information  is
     incorporated by reference in this schedule, copies of the relevant pages of
     such form shall be filed as an exhibit to this schedule.

     Item  1.

            (a)      Name of Issuer

                     Security National Financial Corporation

            (b)      Address of Issuer's Principal Executive Offices

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

     Item 2.
            (a)      Name of Persons Filing

                     Security National Financial Corporation's Employee Stock
                     Ownership Plan

            (b)      Address of Principal Business Office or, if none, Residence

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

            (c)      Citizenship

                     Utah

            (d)      Title of Class of Securities

                     Class A Common Stock

            (e)      CUSIP Number

                     814785309


<PAGE>


     Item 3. If this statement is filed pursuant to Rule 13d-1(b), or 13d-2(b),
             check whether the person filing is a:

            (a)   Broker or Dealer registered under Section 15 of the Act

            (b)   Bank as defined in section 3(a)(6) of the Act

            (c)   Insurance Company as defined in section 3(a)(19) of the act

            (d)   Investment Company registered under section 8 of the
                  Investment Company Act

            (e)   Investment Adviser registered under section 203 of the
                  Investment Advisers Act of 1940

            (f)X_ Employee Benefit Plan, Pension Fund which is subject to the
                  provisions of the Employee Retirement Income Security Act of
                  1974 or Endowment Fund; see ss.240.13d-1(b)(1)(ii)(F)

            (g)   Parent Holding Company, in accordance withss.240.13d-1(b)(ii)
                  (G) (Note: See Item 7)

            (h)   Group, in accordance withss.240.13d-1(b)(1)(ii)(H)

     Item  4. Ownership

     If the percent of the class owned, as of December 31 of the year covered by
the statement, or as of the last day of any month described in Rule 13d-1(b)(2),
if  applicable,  exceeds five percent,  provide the following  information as of
that date and identify those shares which there is a right to acquire.

         (a)      Amount Beneficially Owned

                  Class A Common    507,490
                  Class C Common 1,408,653 (convertible into Class A Stock at
                                            the ratio of ten shares of Class C
                                            to one share of Class A)
         (b)      Percent of Class

                  Class A Common 10.9%
                  Class C Common 23.1%

         (c)      Number of shares as to which such person has:

                       (i)  sole power to vote or to direct the vote

                            Class A    507,490
                            Class C  1,408,653(convertible into Class A
                                                  stock at the ratio of ten
                                                  shares of Class C to one
                                                  share of Class A)

                      (ii)  shared power to vote or to direct the vote

                             -0-

                      (iii) sole power to dispose or to direct the disposition
                            of

                            Class A    507,490
                            Class C 1,408,653

                      (iv)  shared power to dispose or to direct the
                            disposition of

                             -0-

Instruction:  For computations  regarding  securities which represent a right to
acquire an underlying security see Rule 13d-3(d)(1).


<PAGE>


     Item 5.  Ownership of Five Percent or Less of a Class

     If this  statement  is being  filed to report  the fact that as of the date
hereof the reporting  person has ceased to be the beneficial  owner of more than
five percent of the class of securities, check the following ___. N/A

Instruction:  Dissolution of a group requires a response to this item.

     Item 6.  Ownership of More than Five Percent on Behalf of Another Person

     If any other  person is known to have the right to  receive or the power to
direct the receipt of dividends  from,  or the  proceeds  from the sale of, such
securities,  a statement  to that effect  should be included in response to this
item and, if such interest relates to more than five percent of the class,  such
person  should be  identified.  A listing of the  shareholders  of an investment
company registered under the Investment Company Act of 1940 or the beneficiaries
of employee benefit plan, pension fund or endowment fund is not required.

    Item 7.  Identification and Classification of the Subsidiary Which Acquired
             the Security Being Reported on By the Parent Holding Company

     If a parent  holding  company  has filed this  schedule,  pursuant  to Rule
13d-1(b)(ii)(G),  so indicate under Item 3(g) and attach an exhibit  stating the
identity and the Item 3 classification of the relevant  subsidiary.  If a parent
holding  company has filed this schedule  pursuant to Rule  13d-1(c),  attach an
exhibit stating the identification of the relevant subsidiary.

    Item 8.  Identification and Classification of Members of the Group

     If a group has filed this  schedule  pursuant to Rule  13d-1(b)(ii)(H),  so
indicate  under Item 3(h) and attach an exhibit  stating the identity and Item 3
classification  of each member of the group.  If a group has filed this schedule
pursuant to Rule 13d-1(c), attach an exhibit stating the identity of each member
of the group.

    Item 9.  Notice of Dissolution of Group

     Notice of dissolution of a group may be furnished as an exhibit stating the
date  of  the   dissolution  and  that  all  further  filings  with  respect  to
transactions in the security reported on will be filed, if required,  by members
of the group, in their individual capacity. See Item 5.

    Item 10.    Certification

     The  following  certification  shall be included if the  statement is filed
pursuant to Rule 13d-1(b):

     By signing  below I certify  that,  to the best of my knowledge and belief,
the  securities  referred  to above  were  acquired  in the  ordinary  course of
business  and were not acquired for the purpose of and do not have the effect of
changing or  influencing  the control of the issuer of such  securities and were
not acquired in connection  with or as a participant in any  transaction  having
such purposes or effect.

                       Disclaimer of Beneficial Ownership

     The filing of this  statement  shall not be construed as an admission  that
the ESOP is,for the purposes of 13(d) or 13(g) of the Act, the beneficial  owner
of any securities held by ESOP.

                                    SIGNATURE

     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
certify that the information  set forth in this statement is true,  complete and
correct.

                                    Date

                                    Scott M. Quist, Trustee
                                    Security National Financial Corporation
                                    Employee Stock Ownership Plan


<PAGE>


     The original  statement  shall be signed by each person on whose behalf the
statement is filed or his authorized representative.  If the statement is signed
on behalf of a person by his authorized  representative  other than an executive
officer  or   general   partner  of  the   filing   person,   evidence   of  the
representative's  authority to sign on behalf of such person shall be filed with
the  statement,  provided,  however,  that a power of attorney  for this purpose
which is already on file with the Commission may be  incorporated  by reference.
The name and any title of each person who signs the statement  shall be typed or
printed beneath his signature.

Note: Six copies of this statement, including all exhibits, should be filed with
the Commission.

Attention:  Intentional  misstatements  or omissions of fact constitute  Federal
            criminal violations (see 18 U.S.C. 1001)

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