CITIZENS, INC. — Director's Dealing 2005

Jan 31, 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 RICK D (Director, CEO)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-31	Citizens, Inc. Class A Common	J	29827	$0.00	Acquired	455368.9004	Direct
2004-12-31	Citizens, Inc. Class A Common	J	1747	$0.00	Acquired	20621	Indirect
2004-12-31	Citizens, Inc. Class A Common	J	1578	$0.00	Acquired	20603	Indirect
2004-12-31	Citizens, Inc. Class A Common	J	16893	$0.00	Acquired	258198	Indirect

Footnotes

F1: Stock Dividend