|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|EXHIBIT 32.2CERTIFICATION PURSUANT TO18 U.S.C. § 1350,AS ADOPTED PURSUANT TOSECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
In connection with the Annual Report of Security National Financial Corporation (the Company)
on Form 10-K for the period ending December 31, 2006, as filed with the Securities and Exchange Commission
on the date hereof (the Report), I, Stephen M. Sill, Vice President, Treasurer and Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge and belief:
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

|(1) | the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange

Act of 1934; and                              
|--- | ----------------------------------------------------------------------------------------------------------------------------------------------------
|    |                                                                                                                                                     
|(2) | the information contained in the Report fairly presents, in all material respects, the financial condition

and result of operations of the Company.
|    |                                                                                                                                                     

|By: | Stephen M. Sill            
|--- | ---------------------------
|    | Vice President, Treasurer  
|    | and Chief Financial Officer
|    | March 31, 2007             

|
|