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.
I used to carry this way a while back with my Kahr PM9 and my EMP. Started back again with my XDs9. It's never been an issue for me...
I seldom carry in the small of my back because it's not comfortable when I drive. When I do carry that way - it's w/o a holster at all - just stuffed in my butt crack Here's a nice DeSantis holster - small of the back http://springfieldxdstore.com/pgroup_descrip/6926_DeSantis/7073_S.O.B.+Holster+%28Small+of+Back%29//?return=%3ftpl%3Dindex%26category_id%3D6926%26_DeSantis%2F
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