<SEC-DOCUMENT>0001096906-20-000452.txt : 20201209
<SEC-HEADER>0001096906-20-000452.hdr.sgml : 20201209
<ACCEPTANCE-DATETIME>20201209113043
ACCESSION NUMBER:		0001096906-20-000452
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20201207
FILED AS OF DATE:		20201209
DATE AS OF CHANGE:		20201209

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Wilbur Norman G
		CENTRAL INDEX KEY:			0001298096

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09341
		FILM NUMBER:		201377255

	MAIL ADDRESS:	
		STREET 1:		2637 MUSTANG DRIVE
		CITY:			MEAD
		STATE:			CO
		ZIP:			80542

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SECURITY NATIONAL FINANCIAL CORP
		CENTRAL INDEX KEY:			0000318673
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				870345941
		STATE OF INCORPORATION:			UT
		FISCAL YEAR END:			1231

	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>4
<SEQUENCE>1
<FILENAME>form4.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
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<ownershipDocument>

    <schemaVersion>X0306</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2020-12-07</periodOfReport>

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        <issuerName>SECURITY NATIONAL FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>SNFCA</issuerTradingSymbol>
    </issuer>

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            <rptOwnerCik>0001298096</rptOwnerCik>
            <rptOwnerName>Wilbur Norman G</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2637 MUSTANG DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>MEADE</rptOwnerCity>
            <rptOwnerState>CO</rptOwnerState>
            <rptOwnerZipCode>80542</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

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                <value>Class A Common Stock</value>
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            <transactionDate>
                <value>2020-12-07</value>
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                <transactionPricePerShare>
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        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
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            <transactionDate>
                <value>2020-03-27</value>
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                <transactionFormType>4</transactionFormType>
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            <transactionAmounts>
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                <underlyingSecurityTitle>
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                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Director Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>3.6700</value>
                <footnoteId id="F12"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2020-03-27</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>3588.0000</value>
                    <footnoteId id="F12"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.6700</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2020-06-27</value>
                <footnoteId id="F12"/>
            </exerciseDate>
            <expirationDate>
                <value>2030-03-27</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3588.0000</value>
                    <footnoteId id="F12"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3588.0000</value>
                    <footnoteId id="F12"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">This 	 was granted on December 7, 2012 as an option to purchase 1,000 shares of Class A Common Stock under the 2006 Director Stock Option Plan at an exercise price of $7.42 per share, but adjusted pursuant to the anti-dilution provisions of the 2006 Stock Option Plan to reflect 5% stock dividends paid on February 1, 2013, February 7, 2014, February 6, 2015, February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F2">This option was granted on December 4, 2015 as an option to purchase 5,000 shares of Class A Common Stock under the Amended and Restated 2014 Director Stock Option Plan (the &quot;2014 Director Stock Option Plan&quot;) at an exercise price of $6.72 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F3">This option was granted on December 7, 2015 as an option to purchase 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $6.72 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F4">This option was granted on December 2, 2016 as an option to purchase 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $7.03 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F5">This option was granted on December 7, 2016 as an option to purchase 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $7.36 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F6">This option was granted on December 1, 2017 as an option to purchase 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.05 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 2, 2018, February 1, 2019, and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F7">This option was granted on November 30, 2018 as an option to purchase 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.52 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 1, 2019 and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F8">This option was granted on November 30, 2018 as an option to purchase 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.52 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 1, 2019 and February 7, 2020; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F9">This option was granted on December 6, 2019 as an option to purchase 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.46 per share but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on February 7, 2020. The option vests in four equal quarterly installments of Class A Common Stock, beginning on March 6, 2020, until such shares are fully vested; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F10">This option was granted on December 6, 2019 as an option to purchase 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.46 per share but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on February 7, 2020. The option vests in four equal quarterly installments of Class A Common Stock, beginning on March 6, 2020, until such shares are fully vested; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F11">This option was granted on March 27, 2020 as an option to purchase 2,500 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $3.76 per share. The option vests in four equal quarterly installments of Class A Common Stock, beginning on June 27, 2020, until such shares are fully vested; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
        <footnote id="F12">This option was granted on March 27, 2020 as an option to purchase 3,500 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $3.76 per share. The option vests in four equal quarterly installments of Class A Common Stock, beginning on June 27, 2020, until such shares are fully vested; and a 2.5% stock dividend paid on July 17, 2020.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Norman Gilbert Wilbur</signatureName>
        <signatureDate>2020-12-08</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
