The old school way for DPD cops to carry a Smith J frame was to unbutton one button on your western shirt, stick the gun in your waistband just to the left of your navel. You could tell who was off duty po-lice by seeing the one button (or snap) undone near the waistline.
Thought that was pretty cool. The uncool part is when it gets past the waistband and is headed down the leg of your Levis. You have about half a second to snatch it, through the jeans and, either work it back up or, make a beeline to the bathroom while grabbing a handful of thigh...and gun. Neither option looks pretty.