I haven't had much luck at all in the recent really cold-weather (past week and a half?)
Some guys I fish with have had much more luck than me using:
-3/16 oz finesse jig w/ a creature trailer (like those Strike King bitsy flip jigs you see for a buck at dicks, w/ the bottom half of a smallie beaver or baby brush hog) -- usually fish near fallen trees w/ a slow dragging or shaking retrieve
-texas-rigged creature baits (Zoom baby brush hogs, tubes, Zoom super hogs, etc...)
Just gotta remember to fish really slow, and that the bite may be really subtle...
I mentioned in a different post, we conducted a fish-survey at a local lake (down here in Urbana-Champaign) using a boat with those metal rods that shock the water and the fish float up and are measured. All of the fish were netted within 10 feet from shore, all next to fallen trees or by the drop offs right next to the tip of the fallen trees. So, I'm guessin that those visible cover would be a good place to start.
Good luck!