Carrying at the small of the back can permanently paralyze you if you slip for any reason and fall backwards.
For a carry gun, one of the best is the Walther PPS. It's small but has adjustable grips with 3 magazine options to fit any sized hand. It has perhaps the best trigger of any pistol ever and it is reasonably priced ~$600-700 retail.
Here is a review:
http://concealedcarryforum.com/forum...p?TOPIC_ID=954
There are a variety of good holsters for this including the Galco Stow-n-Go $30.
http://www.usgalco.com/HolsterPG3.as...3690&GunID=486
Good luck and enjoy your CCW.