EXHIBIT 5

                  OPINION OF BOARDMAN, SUHR, CURRY & FIELD LLP









                                    SPECIMEN



                              _______________, 1999



Security Financial Services Corporation
212 West Prospect Street
Durand, Wisconsin  54736-1123

     Reference  is  made  to  the  Registration   Statement  on  Form  S-4  (the
"Registration Statement") to be filed by Security Financial Services Corporation
(the   "Corporation")   with  the  Securities  and  Exchange   Commission   (the
"Commission")   pursuant  to  the  Securities  Act  of  1933,  as  amended  (the
"Securities Act"), with respect to shares of Common Stock of the Corporation, no
par value,  issuable by the  Corporation  in  connection  with a  reorganization
("Common  Stock"),  as described in the Prospectus  included in the Registration
Statement.

     As counsel to the  Corporation for purposes of the  reorganization,  we are
familiar with the Articles of  Incorporation  and the Bylaws of the Corporation.
We also have  examined,  or caused to be  examined,  such  other  documents  and
instruments and have made, or caused to be made, such further  investigation  as
we have deemed necessary or appropriate to render this opinion.

     Based upon the foregoing, it is our opinion that:

     (1)  The  Corporation  is  duly  incorporated  and  validly  existing  as a
          corporation under the laws of the State of Wisconsin.

     (2)  The  shares  of  Common  Stock of the  Corporation  when  issued  upon
          consummation of the  reorganization  and delivered to the shareholders
          of Security  National  Bank in accordance  with the  provisions of the
          Agreement and Plan of Reorganization dated _______________, 1999, will
          be validly  issued,  fully paid and  non-assessable  under  applicable
          Wisconsin   law,   except  for  statutory   liability   under  Section
          180.0622(2)(b) of the Wisconsin Business Corporation Law.

     We  hereby  consent  to  the  use  of  this  opinion  as  Exhibit  5 to the
Registration  Statement,  and we  further  consent to the use of our name in the
Registration   Statement   under  the   captions   "Legal   Matters"   and  "Tax
Considerations."  In giving  this  consent,  we do not admit  that we are in the
category of persons whose consent is required  under Section 7 of the Securities
Act or the Rules and Regulations of the Commission issued thereunder.


                                       BOARDMAN, SUHR, CURRY & FIELD LLP