CITIZENS, INC. - Director's Dealing 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2004-09-13

Reporting Person: RILEY HAROLD E (Director, Chairman, 10% Owner)

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-07-12	Citizens, Inc. Class A Common Stock	P	33	$7.53	Acquired	4081819	Direct
2004-08-04	Citizens, Inc. Class A Common Stock	P	42	$5.89	Acquired	4081861	Direct
2004-09-02	Citizens, Inc. Class A Common Stock	P	42	$5.98	Acquired	4081903	Direct
2004-09-13	Citizens, Inc. Class A Common Stock	G	20000	$6.00	Disposed	4061903	Direct

Security	Shares	Ownership
Citizens, Inc. Class A Common Stock	4061903	Direct
Citizens, Inc. Class A Common Stock	359936	Indirect
Citizens, Inc. Class B Common Stock	874935	Indirect

F1: These shares were purchased through the Employee Stock Purchase Plan as part of regular monthly payroll deduction.

F2: Gift for Friends of Baylor Foundation