Keith Van Hulle , May 15, 2003; 12:26 p.m.
From your description, you may have issues. You don't say whether the photos will be used for commercial purposes. Do you plan to make money off of them? If so, then 9 times out of 10 you'll need a property release. Regardless of whether you can access a location, especially if the property if considered private (a church or cemetery is not a city park or a city sidewalk), you'd best play it safe and get a release. Paying an entrance fee to a security guard does not constitute permission to photograph with commercial intent.
However, if these shots are just to hang on your wall or gift to friends and family, then you're probably OK (unless someone makes a stink while you're shooting). Trying to explain to someone that you're just taking a picture of a grave for the fun of it as artistic expression may be another story. You may also want to check out the book "Legal Handbook for Photographers".