I live in Phoenix Arizona: lots of shorts and tee-shirt weather here which makes concealment a priority. I carry a Beretta .32 loaded with hollow points. For carrying in our warmer months I use a tool belt pouch as a holster. The pistol fits in it very well and the pouch does not raise eye-brows. I got it from Home Depot:

http://www.homedepot.com/p/Husky-4-i...0N13/204853191