SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

                                                Commission File Number 0-9341
(Check one)

|_| Form 10-K and Form 10-KSB   |_| Form 11-K

|_| Form 20-F  |X| Form 10-Q and Form 10-QSB  |_| Form N-SAR

For period ended: September 30, 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-Q 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 changes in personnel in registrant's accounting department. 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: September 14, 2001 By: Stephen M. Sill --------------- Stephen M. Sill Vice President, Controller and Chief Financial Officer (Principal Financial and Accounting Officer)