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)