My best sucess is with IWB holster with a loose outer shirt. I like Galco holsers, I think are about the best money can buy. (
www.usgalco.com) I have carred a full size Beretta 92 in Indiana durring the summertime this way.
Cheack this out it might help as well:
Some artilces by Massad Ayoob one of the best gun writters around.
Ayoob on Firearms: Picking a holster
http://www.findarticles.com/cf_0/m0B.../article.jhtml
Concealed Carry Clothing.
http://www.findarticles.com/cf_0/m0B.../article.jhtml