CITIZENS, INC. — Director's Dealing 2004

Dec 30, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2004-12-28

Reporting Person: RILEY RICK D (Director, CEO)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-28	Class A Common Stock	E	700	$4480.00	Disposed	421728	Direct
2004-12-28	Class A Common Stock	P	1095.3038	$7000.00	Acquired	3813.9004	Direct
2004-12-28	Class A Common Stock	G	6070	$38848.00	Disposed	18874	Indirect
2004-12-28	Class A Common Stock	G	3516	$22502.40	Disposed	19025	Indirect

Footnotes

F1: Stock Investment Plan