CITIZENS, INC. — Director's Dealing 2005

Feb 11, 2005

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2004-12-31

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-31	Citizens, Inc. Class A Common Stock	J	25196	$6.37	Acquired	385132	Indirect
2004-10-05	Citizens, Inc. Class A Common Stock	L	40	$6.20	Acquired	4061943	Direct
2004-11-03	Citizens, Inc. Class A Common Stock	L	41	$6.05	Acquired	4061984	Direct
2004-12-08	Citizens, Inc. Class A Common Stock	L	41	$6.13	Acquired	4062025	Direct
2004-12-31	Citizens, Inc. Class A Common Stock	J	284340	$6.37	Acquired	4346365	Direct
2004-12-31	Citizens, Inc. Class B Common Stock	J	61246	$6.37	Acquired	936181	Indirect

Footnotes

F1: Stock Dividend paid 12/31/2004

F2: These shares were purchased through the Employee Stock Purchase Plan as part of regular monthly payroll deduction.