IN ACCORDANCE WITH RULE 202 OF REGULATION S-T, THIS
     SCHEDULE 13D IS BEING FILED IN PAPER PURSUANT TO A
     CONTINUING HARDSHIP EXEMPTION. 
      
     SECURITIES AND EXCHANGE COMMISSION 
     WASHINGTON, D.C. 20549 
        
     SCHEDULE 13D - Under the Securities Exchange Act of 1934 
      
     (Amendment No.....)*   
        
     Security National Financial Corporation   
     (Name of Issuer)   
        
     Class A Common Stock   
     (Title of Class of Securities)   
        
     814785309   
     (CUSIP Number)   
        
     Richard F. Behnke  
     1188 Bishop Street, Suite 911  
     Honolulu, HI  96813  
     (808) 536-2341  
       
     Richard F. Behnke, IRA  
     Attn:  Richard F. Behnke  
     1188 Bishop Street, Suite 911  
     Honolulu, HI  96813  
     (808) 536-2341  
       
     R.B. Value Resources, Inc.  
     Attn:  Richard F. Behnke  
     1188 Bishop Street, Suite 911  
     Honolulu, HI  96813  
     (808) 536-2341  
        
     (Name, Address and Telephone Number of Person Authorized 
     to Receive Notices and Communications)   
        
     July 14, 1995    
     (Date of Event which Requires Filing of this Statement) 
     
       
        
     If the filing person has previously filed a statement on 
     Schedule 13G to report the acquisition which is the  
     subject of this Schedule 13D, and is filing this   
     schedule because of Rule 13d-1(b)(3) or (4), check the 
     following box [  ].   
        
     Check the following box if a fee is being paid with this 
     statement[ X ].  (A fee is not required only if the  
     reporting person:  (1) has a previous statement on   
     file reporting beneficial ownership of more than five 
     percent of the class of securities described in Item 1; 
     and (2) has filed no amendment subsequent thereto  
     reporting beneficial ownership of less than five percent 
     of such class.  See Rule 13d-7.)   
        
     Note:  Six copies of this statement, including all  
     exhibits, should be filed with the Commission.  See Rule 
     13d-1(a) for other parties to whom copies are to be   
     sent.   
        
     *The remainder of this cover page shall be filled out for 
     a reporting person's initial filing on this form with 
     respect to the subject class of securities, and for any 
     subsequent amendment containing information which would 
     alter disclosures provided in a prior cover page.   
      
     The information required on the remainder of this cover 
     page shall not be deemed to be "filed" for the purpose 
     of Section 18 of the Securities Exchange Act of 1934  
     ("Act") or otherwise subject to the liabilities of that 
     section of the Act but shall be subject to all other  
     provisions of the Act (however, see the Notes).   
        
     CUSIP No     814785309                                  
     
     
1)  Names of Reporting Persons S.S. or I.R.S.  
     Identification Nos. of Above Persons   
        
              Richard Frederick Behnke   
        
     2)  Check the Appropriate Box if a Member of a Group (See 
     
     Instructions)   
        
         (a)          
         (b)   
        
     3)  SEC Use Only   
        
     4)  Source of Funds (See Instructions) PF   
        
     5)  Check if Disclosure of Legal Proceedings is Required 
     
     Pursuant to Items 2(d) or 2(e)   
        
        
     6)  Citizenship or Place of Organization - United States 
      
        
     Number of Shares Beneficially Owned by Each Reporting  
     Person With:   
        
     7)  Sole Voting Power - 112,272   
     8)  Shared Voting Power -   
     9)  Sole Dispositive Power - 112,272   
     10) Shared Dispositive Power -   
        
     11)  Aggregate Amount Beneficially Owned by Each  
     Reporting Person - 112,272   
        
     12)  Check if the Aggregate Amount in Row (11) Excludes 
     
     Certain Shares (See Instructions)   
        
     13)  Percent of Class Represented by Amount in Row (11) 
     
     - 3.4%   
        
     14)  Type of Reporting Person (See Instructions) - IN   
          
1)  Names of Reporting Persons S.S. or I.R.S.  
     Identification Nos. of Above Persons   
        
              Richard Frederick Behnke IRA   
       
     2)  Check the Appropriate Box if a Member of a Group (See 
     Instructions)   
        
         (a)          
         (b)   
        
     3)  SEC Use Only   
        
     4)  Source of Funds (See Instructions) PF   
        
     5)  Check if Disclosure of Legal Proceedings is Required 
     
     Pursuant to Items 2(d) or 2(e)   
        
     6)  Citizenship or Place of Organization - Hawaii   
        
     Number of Shares Beneficially Owned by Each Reporting  
     Person With:   
        
     7)  Sole Voting Power - 52,725   
     8)  Shared Voting Power -   
     9)  Sole Dispositive Power - 52,725   
     10) Shared Dispositive Power -   
        
     11)  Aggregate Amount Beneficially Owned by Each  
     Reporting Person - 52,725   
        
     12)  Check if the Aggregate Amount in Row (11) Excludes 
     
     Certain Shares (See Instructions)   
        
     13)  Percent of Class Represented by Amount in Row (11) 
     
     - 1.7%   
        
     14)  Type of Reporting Person (See Instructions) - EP   
        
        
          
1)  Names of Reporting Persons S.S. or I.R.S.  
     Identification Nos. of Above Persons   
        
              R. B. Value Resources, Inc.   
        
     2)  Check the Appropriate Box if a Member of a Group (See 
     Instructions)   
        
         (a)          
         (b)   
        
     3)  SEC Use Only   
        
     4)  Source of Funds (See Instructions) - WC   
        
     5)  Check if Disclosure of Legal Proceedings is Required 
     
     Pursuant to Items 2(d) or 2(e)   
        
     6)  Citizenship or Place of Organization - Hawaii   
        
     Number of Shares Beneficially Owned by Each Reporting 
     Person With:   
        
     7)  Sole Voting Power - 51,426   
     8)  Shared Voting Power -   
     9)  Sole Dispositive Power - 51,426   
     10) Shared Dispositive Power -   
        
     11)  Aggregate Amount Beneficially Owned by Each  
     Reporting Person - 51,426   
        
     12)  Check if the Aggregate Amount in Row (11) Excludes 
     
     Certain Shares (See Instructions)   
        
     13)  Percent of Class Represented by Amount in Row (11) 
     
     - 1.6%   
        
     14)  Type of Reporting Person (See Instructions) - CO   
        
        
        
          
SCHEDULE 13D   
        
        
     ITEM 1.  SECURITY AND ISSUER.   
        
              This statement relates to Class A  common stock 
     of the Security National Financial Corporation  
     ("Issuer").  The principal executive offices of the  
     Issuer are located at 5300 South 360 West, Salt Lake  
     City, Utah 84123.   
        
        
     ITEM 2.  IDENTITY AND BACKGROUND.   
        
              (a)  This schedule is filed by Richard F. Behnke 
     individually, the Richard F. Behnke IRA, and R. B. Value 
     Resources, Inc. (collectively "Filers").  The officers 
     and directors of R. B. Value Resources, Inc. are Richard 
     F. Behnke (president, treasurer, secretary, and  
     director), and Wade W. Richardson (vice-president and 
     assistant secretary).   
        
              (b)  Richard F. Behnke's business address is 
     1188 Bishop Street, Suite 911, Honolulu, HI 96813.  The 
     principal place of business and principal office of R. 
     B. Value Resources, Inc. are located at 1188 Bishop  
     Street, Suite 911, Honolulu, HI 96813.  Wade W.  
     Richardson's residence address is 663 Auwina St., Kailua, 
     HI  96734.   
        
              (c)  Mr. Behnke is president of a  
     broker-dealership and an investment advisor.  Mr. Behnke 
     works at Abel-Behnke Corporation.  The address of
     Abel-Behnke Corporation is 1188 Bishop Street, Suite 911,
     Honolulu, HI 96813.  The principal business of
     Abel-Behnke Corporation is trading in securities for
     others and on its own account, and providing investment
     advice.   
        
              The principal business of R. B. Value Resources, 
     Inc. is investing in real estate and securities.    
        
              Mr. Richardson is an electronics engineer  
     employed by ADV Technical Systems, Inc., whose principal 
     business is electronics servicing.  The address of ADV 
     Technical Systems, Inc. is 1051 Keolu Dr., Suite 210, 
     Kailua, HI 96734.     
        
              (d) & (e)  Within the last five years none of 
     the Filers nor Mr. Richardson has been convicted in a 
     criminal proceeding, nor have the Filers or Mr.  
     Richardson been subject to any judicial or administrative 
     proceeding relating to federal or state securities  
     matters.   
        
              (f)  Mr. Behnke and Mr. Richardson are citizens 
     of the United States.  R. B. Value Resources, Inc. is a 
     Hawaii corporation.   
        
        
     ITEM 3.  SOURCE AND AMOUNT OF FUNDS OR OTHER  
     CONSIDERATION.   
        
              Prior to July 14, 1995, Abel-Behnke Corporation,
     a Hawaii corporation, and a broker-dealer registered
     under section 15 of the Securities Exchange Act of 1934,
     owned 112,272 shares of the Issuer's Class A common  
     stock.  Abel-Behnke Corporation acquired these shares in
     the ordinary course of its business and without the
     purpose or effect of changing or influencing the control
     of the Issuer, nor was the acquisition in connection with
     or as a participant in any transaction having such
     purpose or effect.  Under Rule 13d-1(b), Mr. Behnke and
     Abel-Behnke Corporation were exempt from filing a
     Schedule 13D.   
        
              When these shares were distributed to Mr. Behnke 
     on August 1, 1995, Mr. Behnke became obligated to file 
     a Schedule 13D because he did not have the benefit of 
     Rule 13d-1(b).  Since there was no purchase, questions 
     posed by this Item regarding the source and amount of 
     funds used to make the purchase putting Mr. Behnke, the 
     Richard F. Behnke IRA, and R. B. Value Resources, Inc. 
     over the five percent threshold are not applicable.   
        
              Since Mr. Richardson does not hold more than 
     five percent of the Class A common stock of Issuer,  
     questions regarding the source of funding for purchases 
     putting Mr. Richardson over the five percent threshold 
     are not applicable.   
        
        
     ITEM 4.  PURPOSE OF TRANSACTION.   
        
              The Filers and Mr. Richardson have no present 
     intention with respect to their shares of the Issuer's 
     Class A common stock other than to hold these shares for 
     investment purposes.   
        
        
     ITEM 5.  INTEREST IN SECURITIES OF THE ISSUER.   
        
              (a) & (b)  Richard F. Behnke owns 112,272 shares 
     of the Issuer's Class A common stock, which comprise 3.4% 
     of the Issuer's outstanding Class A common stock.  Mr.  
     Behnke has sole power to both vote and dispose of these 
     shares.   
        
              The Richard F. Behnke IRA owns 54,725 shares of 
     the Issuer's Class A common stock, which comprise 1.7% 
     of the Issuer's outstanding Class A common stock.  The 
     Richard F. Behnke IRA has sole power to both vote and 
     dispose of these shares.   
        
              R. B. Value Resources, Inc. owns 51,426 shares 
     of the Issuer's Class A common stock, which comprise 1.6% 
     of the Issuer's outstanding Class A common stock.  R. B. 
     Value Resources, Inc. has sole power to both vote and 
     dispose of these shares.    
        
              Wade W. Richardson, through an IRA, owns about 
     78,250 shares of the Issuer's Class A common stock, which 
     comprise about 2.3% of all outstanding shares.  Mr.  
     Richardson has sole power to both vote and dispose of 
     these shares.    
        
              (c)  On August 3, 1995 the Richard F. Behnke IRA 
     acquired 3,000 shares of the Issuer's Class A common  
     stock at $3.75 per share.  The purchase was over-   
     the-counter for cash.    
        
              (d)  No other person, other than those already 
     identified in this Item, has any rights relating to the 
     dividends or sale proceeds of the securities which are 
     the subject of this schedule.   
        
        
     ITEM 6.  CONTRACTS, ARRANGEMENTS, UNDERSTANDINGS OR  
     RELATIONSHIPS WITH RESPECT TO SECURITIES OF THE ISSUER. 
     
      
              Mr. Behnke controls the Richard F. Behnke IRA
     and is the sole director and shareholder of R. B. Value
     Resources, Inc.   
        
              There are no other contracts, arrangements,  
     understandings, or relationships involving persons listed 
     in Item 2 relating to the Issuer's Class A common stock. 
      
        
        
     ITEM 7.  MATERIAL TO BE FILED AS EXHIBITS.   
        
              A copy of the written agreement relating to the 
     filing of joint acquisition statements as required by 
     Rule 13d-1(f) is attached as Exhibit 1.   
        
              No copies of written agreements, contracts,  
     arrangements, understandings, plans or proposals relating 
     to items addressed in Item 3, Item 4, and Item 6 are   
          attached because no such documents exist. 
SIGNATURE 
      
      
     After reasonable inquiry and to the best of my knowledge
     and belief, I certify that the information set forth in
     this statement is true, complete and correct. 
      
     August 24, 1995 
      
      
     /s/RICHARD F. BEHNKE 
      
     RICHARD F. BEHNKE 
          
EXHIBIT I   
        
        
              The undersigned agrees that this Schedule 13D 
     is filed on behalf of Richard F. Behnke, the Richard F. 
     Behnke IRA, and R. B. Value Resources, Inc.   
        
        
        
     Richard F. Behnke   
     Individually and for the Richard F. Behnke IRA   
        
        
        
        
     R. B. Value Resources, Inc.   
     By:  Richard F. Behnke   
          Its President