EXHIBIT 23.5


                          CONSENT OF FINANCIAL ADVISOR

We consent to the use of our fairness opinion letter dated March 7, 2003 forming
a part of the Registration Statement on Form S-4 filed by Citizens, Inc. in
connection with the proposed merger of Citizens and Mid-American Alliance
Corporation, Jefferson City, Missouri, to be included in such Prospectus/Proxy
Statement, subject to the issuance of such opinion by us. We further consent to
the references to our fairness opinion letter and the analysis conducted by us
and the use of our name in such Proxy Statement/Prospectus in conjunction
therewith.

PROFESSIONAL BANK SERVICES, INC.
Louisville, Kentucky
June 13, 2003