EXHIBIT 32.2

Certification of Chief Financial Officer
of Citizens, Inc. Pursuant to 18 U.S.C. §1350

     I, Mark A. Oliver, certify that:

     In connection with the Quarterly Report on Form 10-Q of Citizens, Inc. (the “Company”) for the period ended June 30, 2004 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Mark A. Oliver, President and Treasurer of the Company, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1.	the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and
2.	the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

	/s/ Mark A. Oliver
Name:	Mark A. Oliver
Title:	President and Treasurer
	(Principal Financial Officer)
Date:	August 9, 2004

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