Carry a p3at almost constantly and for once (and I have a hard time saying this).... Uncle Mikes Sidekick is the way to go. Cheap, available at your local shop, and it really keeps your gun in the right place.
My P3AT in a 2n'1 holster by K&D. I wear this in my jeans (side or back pocket) or my Dockers - fits well for both. The rectangular leather piece can be removed if one chooses. Worn with the gun next to the body and the rectangular leather piece facing out it looks like a wallet. Great quality too. Recommend it highly.