That is not a good option for me. Others may find it to their liking however. Mostly I carry a purse (http://www.tuffproducts.com/Taclett_II_p/4997-.htm ) but also use a holster vest, strong side belt holster or front pocket. All depends on weather and firearm.
For small of the back I use the holster that came with my pistol, and flipped it so the holster part is between the belt and the pants. It's actually pretty comfy, and it actually stays concealed even when wearing just a shirt