Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
Christie Q. Overbaugh
   2. Issuer Name and Ticker or Trading Symbol
SECURITY NATIONAL FINANCIAL CORP [SNFCA] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Senior VP of Operations
(Last)
(First)
(Middle)
13471 SOUTH TUSCALEE WAY		 3. Date of Earliest Transaction (Month/Day/Year)
11/06/2012
(Street)

DRAPER, UT 84020		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Class A Common Stock 11/06/2012   M   11,082 A $ 2.19 0 D  
Class A Common Stock 11/06/2012   F   4,224 D $ 5.74 0 D  
Class A Common Stock 11/06/2012   M   12,155 A $ 1.23 0 D  
Class A Common Stock 11/06/2012   F   2,603 D $ 5.74 0 D  
Class A Common Stock 11/06/2012   M   11,025 A $ 1.66 0 D  
Class A Common Stock 11/06/2012   F   3,186 D $ 5.74 0 D  
Class A Common Stock 11/06/2012   M   7,875 A $ 1.24 0 D  
Class A Common Stock 11/06/2012   F   1,701 D $ 5.74 0 D  
Class A Common Stock 11/06/2012   M   5,000 A $ 1.56 0 D  
Class A Common Stock 11/06/2012   F   1,358 D $ 5.74 69,567 (1) D  
Classs A Common Stock 11/26/2012   M   28,143 A $ 2.49 0 D  
Class A Common Stock 11/26/2012   F   10,777 D $ 6.5 0 D  
Class A Common Stock 11/26/2012   M   12,155 A $ 3.17 0 D  
Class A Common Stock 11/26/2012   F   5,925 D $ 6.5 0 D  
Class A Common Stock 11/26/2012   M   11,576 A $ 3.04 0 D  
Class A Common Stock 11/26/2012   F   5,411 D $ 6.5 99,328 (1) D  
Class A Common Stock 12/03/2012   M   2,625 A $ 1.24 0 D  
Class A Common Stock 12/03/2012   F   438 D $ 7.4 101,515 (1) D  

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (right to buy) $ 2.19 (2) 12/10/2004   M     11,082 (2) 03/10/2005 12/10/2014 Class A Common Stock 11,082 (2) $ 0 0 D  
Employee Stock Option (right to buy) $ 2.49 (3) 03/25/2005   M     28,143 (3) 06/25/2005 03/25/2015 Class A Common Stock 28,142 (3) $ 0 0 D  
Employee Stock Option (right to buy) $ 3.17 (4) 03/31/2008   M     12,155 (4) 06/30/2009 03/31/2018 Class A Common Stock 12,155 (4) $ 0 0 D  
Employee Stock Option (right to buy) $ 1.23 (5) 12/05/2008   M     12,155 (5) 03/05/2009 12/05/2018 Class A Common Stock 12,155 (5) $ 0 0 D  
Employee Stock Option (right to buy) $ 3.04 (6) 12/04/2009   M     11,576 (6) 03/04/2010 12/04/2019 Class A Common Stock 11,576 (6) $ 0 0 D  
Employee Stock Option (right to buy) $ 1.66 (7) 12/03/2010   M     11,025 (7) 03/03/2011 12/03/2020 Class A Common Stock 11,025 (7) $ 0 0 D  
Employee Stock Option (right to buy) $ 1.24 (8) 12/02/2011   M     7,875 (8) 03/02/2012 12/03/2021 Class A Common Stock 7,875 (8) $ 0 2,625 (8) D  
Employee Stock Option (right to buy) $ 1.24 (8) 12/02/2011   M     2,625 (8) 03/02/2012 12/03/2021 Class A Common Stock 2,625 (8) $ 0 0 D  
Employee Stock Option (right to buy) $ 1.56 (9) 04/13/2012   M     5,000 (9) 07/13/2012 04/13/2022 Class A Common Stock 5,000 (9) $ 0 0 D  
Employee Stock Option (right to buy) $ 1.56 (9) 04/13/2012   A   5,000 (9)   07/13/2012 04/13/2022 Class A Common Stock 5,000 (9) $ 0 5,000 (9) D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
Christie Q. Overbaugh
13471 SOUTH TUSCALEE WAY
DRAPER, UT 84020		       Senior VP of Operations  

Signatures

 /s/Christie Q. Overbaugh   02/08/2013
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Includes 28,644 shares of Class A Common Stock owned by the reporting person and her son or daughter. Does not include 88,876 shares of Class A Common Stock and 158,848 shares of Class C Common Stock owned indirectly by the reporting person in the 401(k) Retirement Savings Plan, the Employee Stock Ownership Plan (ESOP), and the Deferred Compensation Plan.
(2) This option was originally reported as an option for 7,500 shares of Class A Common Stock at an exercise price of $3.23 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 7, 2005, February 17, 2006, February 9, 2007, February 8, 2008, February 6, 2009, February 5, 2010, February 4, 2011 and February 3, 2012.
(3) This option was originally reported as an option for 20,000 shares of Class A Common Stock at an exercise price of $3.51 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 17, 2006, February 9, 2007, February 8, 2008, February 6, 2009, February 5, 2010, February 4, 2011 and February 3, 2012.
(4) This option was originally reported as an option for 10,000 shares of Class A Common Stock at an exercise price of $3.85 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 6, 2009, February 5, 2010, February 4, 2011 and February 3, 2012.
(5) This option was originally reported as an option for 10,000 shares of Class A Common Stock at an exercise price of $1.50 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 6, 2009, February 5, 2010, February 4, 2011 and February 3, 2012.
(6) This option was originally reported as an option for 10,000 shares of Class A Common Stock at an exercise price of $3.52 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 5, 2010, February 4, 2011 and February 3, 2012.
(7) This option was originally reported as an option for 10,000 shares of Class A Common Stock at an exercise price of $1.83 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 4, 2011 and February 3, 2012.
(8) This option was granted on December 2, 2011 as an option for 10,000 shares of Class A Common Stock at an exercise price of $1.30 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect a 5% stock dividend paid on February 3, 2012.
(9) This option was granted on April 13, 2012 as an option for 10,000 shares of Class A Common Stock at an exercise price of $1.56 per share. The option vests in four equal quarterly installments of Class A Common Stock, beginning on July 13, 2012, until such shares are fully vested.

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