CITIZENS, INC. — Director's Dealing 2005

Feb 8, 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: EMMONS MARCIA F (Secretary)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-01-06	Citizens, Inc. Class A Common Stock	L	1	$9.80	Acquired	39	Direct
2004-12-31	Citizens, Inc. Class A Common Stock	J	3	$6.37	Acquired	42	Direct

Footnotes

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

F2: Stock Dividend paid 12/31/2004