<ARTICLE> 7 <CIK> 0000024090 <NAME> CITIZENS, INC. <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <DEBT-HELD-FOR-SALE> 0 <DEBT-CARRYING-VALUE> 5,594,745 <DEBT-MARKET-VALUE> 144,214,555 <EQUITIES> 717,812 <MORTGAGE> 1,374,204 <REAL-ESTATE> 880,901 <TOTAL-INVEST> 174,338,561 <CASH> 11,149,084 <RECOVER-REINSURE> 2,183,729 <DEFERRED-ACQUISITION> 36,518,037 <TOTAL-ASSETS> 255,484,786 <POLICY-LOSSES> 167,413,196 <UNEARNED-PREMIUMS> 0 <POLICY-OTHER> 3,591,289 <POLICY-HOLDER-FUNDS> 9,650,801 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 68,094,889 <OTHER-SE> 4,172,080 <TOTAL-LIABILITY-AND-EQUITY> 255,484,786 <PREMIUMS> 59,320,357 <INVESTMENT-INCOME> 11,636,940 <INVESTMENT-GAINS> 310,890 <OTHER-INCOME> 608,871 <BENEFITS> 45,480,194 <UNDERWRITING-AMORTIZATION> 741,349 <UNDERWRITING-OTHER> 24,683,066 <INCOME-PRETAX> 972,449 <INCOME-TAX> (298,623) <INCOME-CONTINUING> 1,271,072 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,271,072 <EPS-BASIC> 0.05 <EPS-DILUTED> 0.05 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0