CITIZENS, INC. - Director's Dealing 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: OLIVER MARK A (Director, President)

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-01-06	Citizens, Inc. Class A Common Stock	L	5	$9.80	Acquired	8487	Direct
2004-02-04	Citizens, Inc. Class A Common Stock	L	6	$8.78	Acquired	8493	Direct
2004-03-10	Citizens, Inc. Class A Common Stock	L	6	$8.33	Acquired	8499	Direct
2004-04-12	Citizens, Inc. Class A Common Stock	L	6	$8.38	Acquired	8505	Direct
2004-05-06	Citizens, Inc. Class A Common Stock	L	7	$6.88	Acquired	8512	Direct
2004-06-03	Citizens, Inc. Class A Common Stock	L	7	$7.35	Acquired	8519	Direct
2004-07-12	Citizens, Inc. Class A Common Stock	L	7	$7.53	Acquired	8526	Direct
2004-08-04	Citizens, Inc. Class A Common Stock	L	8	$5.89	Acquired	8534	Direct
2004-09-02	Citizens, Inc. Class A Common Stock	L	8	$5.98	Acquired	8542	Direct
2004-10-05	Citizens, Inc. Class A Common Stock	L	8	$6.20	Acquired	8550	Direct
2004-11-03	Citizens, Inc. Class A Common Stock	L	8	$6.05	Acquired	8558	Direct
2004-12-08	Citizens, Inc. Class A Common Stock	L	8	$6.13	Acquired	8566	Direct
2004-12-31	Citizens, Inc. Class A Common Stock	J	227	$6.37	Acquired	8793	Direct
2004-12-31	Citizens, Inc. Class A Common Stock	J	372	$6.37	Acquired	9165	Direct

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