CITIZENS, INC. — Director's Dealing 2004

Nov 17, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2004-02-06

Reporting Person: SCOTT RICHARD C (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-02-06	Citizens, Inc. Class A Common Stock	P	10000	$9.29	Acquired	10000	Direct
2004-11-15	Citizens, Inc. Class A Common Stock	P	1000	$6.00	Acquired	11000	Direct

Footnotes

F1: These shares were purchased through the Employee Stock Purchase Plan.