CITIZENS, INC. — Director's Dealing 2005

Nov 8, 2005

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2005-11-07

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2005-11-07	Citizens, Inc. Class A Common Stock	G	10000	$6.03	Disposed	4258787	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Citizens, Inc. Class A Common Stock	382160	Indirect
Citizens, Inc. Class B Common Stock	936181	Indirect

Footnotes

F1: These shares were gifted to the Neal T. "Buddy" Jones, Jr. Endowed Scholarship Fund at Baylor University.