I caught alot of cold water bass in wv, pa, md, and va on steep bluff banks, the fish usually suspend in 15 - 25 feet of water. Also check out the ends of points, channels, mud or rock flats when it starts to warm up, and emergent grass beds.

I dont really have much to worry about here in Texas about cold water bassing - the lake by my house is a power plant lake is stays around 60 degrees in the winter. Choke Canyon however, drops into the 50's, and deep water submerged structure near the channels are where I key in on.