SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

                                                 Commission File Number 0-9341
(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, 2001

         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 filing 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
                             RULE 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
additional  time  required to complete the financial  statements of  registrant,
primarily  as a result of delays  caused by the  implementation  of  changes  in
registrant's  policy  administration  software  and  by  changes  in  personnel,
including the loss of registrant's senior vice president and secretary, who died
on February 1, 2002.





                                     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:      April 1, 2002                      By: /s/ Scott M. Quist
                                                 -------------------
                                                 Scott M. Quist
                                                 First Vice President,
                                                 General Counsel and
                                                 Chief Operating Officer