Beretta Model 85F
For sake of concealment and reliability, I highly recommend you checking out the 85F. Granted, it's .380, but it's a great carry weapon. It is so invisible. I have a Galco SOB 250 holster (small of back), and it's great while driving, sitting down, etc. It's so comfortable, that I forget to take it out when I go to those "wrong" places.
Note, the 85F is the single column version. They have a double stack version (the 84F). It's a joy to shoot - and highly accurate. It's a great point & shoot gun.
-Nick