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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Fv/oRKaKn2oalz4D/f5sAT2okCMCkcD5UWy2TgEKAkPcEoe6lmxLPRy3R5Q6pph9
 5FoWrS5d/cE0NPMfTu8uVQ==

<SEC-DOCUMENT>9999999997-03-014178.txt : 20030402
<SEC-HEADER>9999999997-03-014178.hdr.sgml : 20030402
<ACCEPTANCE-DATETIME>20030402101751
<PAPER>
ACCESSION NUMBER:		9999999997-03-014178
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20021231
FILED AS OF DATE:		20030401
EFFECTIVENESS DATE:		20030401

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HENDERSON CITIZENS BANCSHARES INC
		CENTRAL INDEX KEY:			0000878355
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				752371232
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	033-42286
		FILM NUMBER:		03019514

	BUSINESS ADDRESS:	
		STREET 1:		201 WEST MAIN ST
		STREET 2:		PO BOX 1009
		CITY:			HENDERSON
		STATE:			TX
		ZIP:			75653
		BUSINESS PHONE:		9036578521

	MAIL ADDRESS:	
		STREET 1:		201 WEST MAIN ST
		STREET 2:		P O BOX 1009
		CITY:			HENDERSON
		STATE:			TX
		ZIP:			75653
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-03-014178.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 03019514 for access to the original document.
</TEXT>
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