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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 12
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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SIGNATURE SOPHIA COLLIER
TITLE PRESIDENT
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<CIK> 0000711202
<NAME> Citizens Investment Trust
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<NAME> Citizens Emerging Growth Portfolio
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<TABLE> <S> <C>
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<CIK> 0000711202
<NAME> Citizens Investment Trust
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<NAME> Citizens Global Equity Portfolio
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<TABLE> <S> <C>
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<CIK> 0000711202
<NAME> Citizens Investment Trust
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<NAME> Muir California Tax-Free Income Portfolio
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<TABLE> <S> <C>
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<CIK> 0000711202
<NAME> Citizens Investment Trust
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<NAME> E-Fund
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<S> <C>
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