CITIZENS, INC. — Director's Dealing 2005

Feb 18, 2005

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2005-01-28

Reporting Person: RILEY RAY A (COO)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2005-01-28	Citizens, Inc. Class A Common Stock	G	3922	$5.61	Acquired	279944	Direct
2005-01-28	Citizens, Inc. Class A Common Stock	G	3922	$5.61	Acquired	7147	Indirect
2005-01-28	Citizens, Inc. Class A Common Stock	G	7844	$5.61	Acquired	170319	Indirect

Holdings (Non-Derivative)

Security	Shares	Ownership
Citizens, Inc. Class A Common Stock	16209	Indirect

Footnotes

F1: These shares were gifted from Harold E. Riley 1-28-05.