|Exhibit 31.2
CERTIFICATION PURSUANT TO18 U.S.C. § 1350,AS ENACED BYSECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
I, Stephen M. Sill, certify that:
1.  I have reviewed this annual report on Form 10-K of Security National Financial Corporation.
2.  Based on my knowledge, this annual report does not contain any untrue statement of a material

fact or omit to state a material fact necessary to make the statements made, in light of the circumstances

under which such statements were made, not misleading with respect to the period covered by this

annual report;
3. Based on my knowledge, the financial statements, and other financial information included in this
annual report, fairly present in all material respects the financial condition, results of operations
and cash flows of the registrant as of, and for, the periods presented in this annual report;
4. The registrants other certifying officers and I are responsible for establishing and maintaining

disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for

the registrant to have:
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| | (a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures

to be designed under our supervision, to ensure that material information relating to the registrant,

including its consolidated subsidiaries, is made known to us by others within those entities, particularly

during the period covered in which this report is being prepared;
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| | (b) | Evaluated the effectiveness of the registrants disclosure controls and procedures and presented

in this report our conclusions about the effectiveness of the disclosure controls and procedures,

as of the end of the period covered by this report based on such evaluation; and                                                                                                    
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| | (c) | Disclosed in this report any change in the registrants internal control over financial reporting that occurred during the registrants most recent fiscal quarter (the registrants fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrants internal control over financial reporting; and  

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|5. The registrants other certifying officers and I have disclosed, based on our most recent evaluation
of internal financial reporting, to the registrants auditors and the audit committee of registrants
board of directors (or persons performing the equivalent functions):
(a) All significant deficiencies

and material weaknesses in the design or operation of internal control over financial reporting
which
are reasonably likely to adversely affect the registrants ability to record, process,
summarize
and report financial information; and
(b) Any fraud, whether or not material,

that involves management or other employees who have a significant role in the registrants

internal control over financial reporting.
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|Date: March 31, 2007 |     |                              
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|                     |     |                              
|                     | By: | Stephen M. Sill              
|                     |     | Vice President, Treasurer and
|                     |     | Chief Financial Officer      

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