Statement of Changes in Beneficial Ownership (4)

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

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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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) Sr. VP Life Ins. Inter. Op.
(Last)          (First)          (Middle) 13471 SOUTH TUSCALEE WAY	3. Date of Earliest Transaction (MM/DD/YYYY) 12/6/2019
(Street) DRAPER, UT 84020 (City)        (State)        (Zip)	4. If Amendment, Date Original Filed (MM/DD/YYYY)	6. Individual or Joint/Group Filing (Check Applicable Line) _X _ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security (Instr. 3)	2. Trans. Date	2A. Deemed Execution Date, if any	3. Trans. 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	12/6/2019		M		12763	A	$3.89	156645 (1)	D
Class A Common Stock	12/6/2019		F		9093	D	$5.46	147552 (1)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Trans. Date	3A. Deemed Execution Date, if any	4. Trans. 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		7. Title and Amount of Securities Underlying Derivative Security (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)	$3.89 (2)	12/5/2014		M			12763 (2)	3/5/2015	12/5/2024	Class A Common Stock	12763 (2)	$3.89 (2)	0 (2)	D
Employee Stock Option (right to buy)	$5.47 (3)	12/4/2015		A		8509 (3)		3/4/2016	12/4/2025	Class A Common Stock	8509 (3)	$5.47 (3)	8509 (3)	D
Employee Stock Option (right to buy)	$6.03 (4)	12/2/2016		A		5789 (4)		3/2/2017	12/2/2026	Class A Common Stock	5789 (4)	$6.03 (4)	5789 (4)	D
Employee Stock Option (right to buy)	$4.56 (5)	12/1/2017		A		5513 (5)		3/1/2018	12/1/2027	Class A Common Stock	5513 (5)	$4.56 (5)	5513 (5)	D
Employee Stock Option (right to buy)	$5.24 (6)	11/30/2018		A		5250 (6)		2/28/2019	11/30/2028	Class A Common Stock	5250 (6)	$5.24 (6)	5250 (6)	D

Explanation of Responses:
(1)	Of these shares of Class A Common Stock, 40,305 shares are held jointly by the reporting person with a son or daughter. Does not include 132,937 shares of Class A Common Stock owned indirectly by the reporting person in the Employee Stock Ownership Plan (ESOP), the 401(k) Retirement Savings Plan, and the Non-Qualified Deferred Compensation Plan and 34,555 shares of Class C Common Stock owned indirectly by the reporting person in the Employee Stock Ownership Plan (ESOP).
(2)	This option was granted on December 5, 2014 as an option to purchase 10,000 shares of Class A Common Stock at an exercise price of $5.02 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 6, 2015, February 5, 2016, February 3, 2017, February 2, 2018, and February 1, 2019.
(3)	This option was granted on December 4, 2015 as an option to purchase 7,000 shares of Class A Common Stock at an exercise price of $6.72 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, and February 1, 2019.
(4)	This option was granted on December 2, 2016 as an option to purchase 5,000 shares of Class A Common Stock at an exercise price of $7.03 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, and February 1, 2019.
(5)	This option was granted on December 1, 2017 as an option to purchase 5,000 shares of Class A Common Stock at an exercise price of $5.05 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 2, 2018 and February 1, 2019.
(6)	This option was granted on November 30, 2018 as an option to purchase 5,000 shares of Class A Common Stock at an exercise price of $5.52 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect a 5% stock dividend paid on February 1, 2019.

Reporting Owners
Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Christie Q. Overbaugh 13471 SOUTH TUSCALEE WAY DRAPER, UT 84020			Sr. VP Life Ins. Inter. Op.

Signatures
/s/Christie Q. Overbaugh		12/18/2019
**Signature of Reporting Person		Date