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

                   FORM 12b-25
           NOTIFICATION OF LATE FILING

(Check One)  Form 10-K  Form 20-F Form 11-K    X Form 10-Q
             Form N-SAR

For Period Ended:  06/30/96
    Transition Report on Form 10-K
    Transition Report on Form 20-F
    Transition Report on Form 11-K
    Transition Report on Form 10-Q
    Transition Report on Form N-SAR
    For the Transition Period Ended:

Read Instruction (on back page) 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 310, Salt Lake City, Utah 84123
            City, State and Zip Code

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 12b-25(b), the following should be
completed.  (Check box if applicable)

 (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 12b-25(c) has been attached if
      applicable.

PART III - NARRATIVE

State below in reasonable detail the reasons why Forms 10-K,
20-F, 11-K, 10-Q, N-SAR, or the transition report or portion
thereof, could not be filed within the prescribed time
period.

  The financial statements cannot be completed within the
  required time period due to the complexities involved in
  completing the required financial statements for Civil
  Service Employees Life Insurance Company, an insurance
  company which the registrant purchased as of December 27,
  1995.


(1) Name and telephone number of person to contact in regard to this notification Kevin F. Childress 801 264-1060 (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 (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? X No
If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if applicable, state the reasons why a reasonable estimate of the results cannot be made. 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: 08/15/96 By: Kevin Childress Kevin Childress, Assistant Treasurer INSTRUCTION: The form may be signed by an executive officer of the registrant or by any other duly authorized representative. The name and title of the person signing the form shall be typed or printed beneath the signature. If the statement is signed on behalf of the registrant by an authorized representative (other than an executive officer), evidence of the representative's authority to sign on behalf of the registrant shall be filed with the form. ATTENTION Intentional misstatements or omissions of fact constitute Federal Criminal Violations (See 18 U.S.C. 1001). GENERAL INSTRUCTIONS
1. This form is required by Rule 12b-25 (17 CFR 240.12b-25) of the General Rules and Regulations under the Securities Exchange Act of 1934. 2. One signed original and four conformed copies of this form and amendments thereto must be completed and filed with the Securities and Exchange Commission, Washington, D.C. 20549, in accordance with Rule 0-3 of the General Rules and Regulations under the Act. The information contained in or filed with the form will be made a matter of public record in the Commission files. 3. A manually signed copy of the form and amendments thereto shall be filed with each national securities exchange on which any class of securities of the registrant is registered. 4. Amendments to the notifications must also be filed on form 12b-25 but need not restate information that has been correctly furnished. The form shall be clearly identified as an amended notification. 5. Electronic Filers. This form shall not be used by electronic files unable to timely file a report solely due to electronic difficulties. Filers unable to submit a report within the time period prescribed due to difficulties in electronic filing should comply with either Rule 201 or Rule 202 of Regulation S-T (section 232.201 or section 232.202 of this chapter) or apply for an adjustment in filing date pursuant to Rule 13(b) of Regulation S-T (section 232.13(b) of this chapter).