EXHIBIT 99

                                      PROXY






                                      PROXY

                         SPECIAL MEETING OF SHAREHOLDERS

     Know  all men by these  presents  that I, the  undersigned  shareholder  in
Security  National  Bank, do hereby appoint Jerry M. Bauer,  T.L.  Schiefelbein,
Gerald Sundstrom, Gerald L. Levenske, Carole Komro, Robert Davidian, and each of
them  individually,  my true and lawful attorney,  substitute,  and proxy,  with
power of  substitution,  for me and in my name to vote at the Special Meeting of
Shareholders  of Security  National Bank, to be held on October ___, 1999, or at
any  adjournment  of that  meeting,  with all powers I should have if personally
present, hereby revoking all proxies heretofore given. I acknowledge that I have
received  a Notice of  Special  Meeting of  Shareholders  and a Proxy  Statement
relating to the meeting.  I hereby  direct that the person(s)  designated  above
vote as follows:

(1)  FOR  [   ]                AGAINST  [   ]             ABSTAIN  [   ]

     the following resolution:

          RESOLVED,  that the  formation of a bank holding  company for Security
     National  Bank,  pursuant to the terms and  conditions  of an Agreement and
     Plan  of  Reorganization   between  Security  National  Bank  and  Security
     Financial  Services  Corporation and a Merger  Agreement  between  Security
     National Bank and New Security National Bank, whereby (a) Security National
     Bank will become a wholly-owned  subsidiary of Security  Financial Services
     Corporation,  and (b)  shareholders  of Security  National Bank will become
     shareholders  of  Security  Financial  Services   Corporation,   is  hereby
     authorized and approved.

(2)  In his/her discretion as to any other matters that may properly come before
     the meeting or any adjournment thereof.

       THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE REORGANIZATION.

     This proxy,  when properly signed,  will be voted in the manner directed by
the undersigned shareholder. If the manner in which to vote is not supplied, the
undersigned  shareholder  will be deemed  to have  designated  a vote  "FOR" the
formation of the bank holding company.

               THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS.

     PLEASE  SIGN,  DATE AND RETURN THIS  PROXY,  USING THE  ENCLOSED  ENVELOPE.
Please sign exactly as your name appears on your stock certificates. When shares
are held by joint tenants, both should sign. When signing as attorney, executor,
administrator,  trustee,  or  guardian,  please  give full  title as such.  If a
corporation, please sign in full corporate name by President or other authorized
officer. If a partnership, please sign in partnership name by authorized person.

Dated: ______________, 1999.


                                         ____________________________________
                                         Signature

                                         ____________________________________
                                         Signature if held jointly, or title