SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15 (d) of
the Securities Exchange Act of 1934

	Date of Report (Date of earliest event reported): August 14, 2003

CITIZENS, INC.
(Exact name of registrant as specified in its charter)

COLORADO		0-16509		84-0755371
(State or other jurisdiction		(Commission		(IRS Employer
of incorporation		File Number)		Identification No.)

400 East Anderson Lane
Austin, Texas 78752
(Address of principal executive offices) (Zip Code)

512-837-7100
Registrant’s telephone number, including area code

 

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TABLE OF CONTENTS

Item 7. Financial Statements and Exhibits
Item 12. Results of Operations and Financial Condition
Signature
Exhibit Index
EX — 99.1 Press Release

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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

     Filed herewith is the following:

Exhibit No.		Description
99.1		Press Release dated August 14, 2003

ITEM 12: RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On August 14, 2003, Citizens, Inc. issued a press release announcing second quarter 2003 financial results. A copy of the press release as well as supplemental information is furnished with this report as Exhibit 99.1, and is incorporated herein by reference.

The information in this report is being furnished, not filed, for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and pursuant to Item 12 of Form 8-K will not be incorporated by reference into any filing under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

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SIGNATURE

     Pursuant to the requirement of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		CITIZENS, INC.
		By:		/s/ Mark A. Oliver Mark A. Oliver, FLMI, President
Date: August 19, 2003

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EXHIBIT INDEX

Exhibit No.		Description
99.1		Press Release dated August 14, 2003

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