ALLMERICA FINANCIAL CORP
15-12B, 1998-12-15
FIRE, MARINE & CASUALTY INSURANCE
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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                                    FORM 15

  Certification and Notice of termination of Registration under Section 12(g)
   of Securities Exchange Act of 1934 or Suspension of Duty to File Reports 
       Under Section 13 and 15(d) of the Securities Exchange Act of 1934

                       Commission File Number: 1-11714

                              CITIZENS CORPORATION
            (Exact name of registrant as specified in its charter)

           440 Lincoln Street, Worcester, MA 01653   (508) 855-1000

 (Address, including zip code, and telephone number, including area code, of 
                   registrant's principal executive offices)

                    Common Stock, par value $.01 per share
           (Title of each class of securities covered by this Form)

                                     None

 (titles of all other classes of securities for which a duty to filed reports 
                     under section 13(a) or 15(d) remains)



        Please place an X in the box(es) to designate to appropriate rule 
provision(s) relied upon to terminate or suspend the duty to file reports:

          Rule 12g-4(a)(i)(i)    [X]            Rule 12h-3(b)(1)(ii)       [_]
          Rule 12g-4(a)(1)(ii)   [_]            Rule 12h-3(b)(2)(i)        [_]
          Rule 12g-4(a)(2)(i)    [_]            Rule 12h-3(b)(2)(ii)       [_]
          Rule 12g-4(a)(2)(ii)   [_]            Rule 15d-6                 [_]
          Rule 12h-3(b)(1)(i)    [X]                 

       Approximate number of holders of record as of the certification or notice
date:
          
          Common Stock, par value $.01 per share:        

       Pursuant to the requirements of the Securities Exchange Act of 1934, 
Carnegie Group, Inc. has caused this certification/notice to be signed on its 
behalf by the undersigned duly authorized person.


                                         CITIZENS CORPORATION




DATE:  December 14, 1998                 By: /s/ Edward J. Parry III
                                             --------------------------------
                                             Name: Edward J. Parry III
                                             Title: Vice President, Treasurer
                                                    and Chief Financial Officer




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