For Scott, Warren, John
One fly I use almost every trip, that catches native and stocked trout, and smallmouth bass, is the Pine Squirrel Cheater.
http://flyanglersonline.com/fotw/2009/fotw20090921.php
Hope that link works, if not, use the search function on the main page.
Warren would remind us of this wonderful fly once a year or so.
I tie it with a bead head, and on a lead round jig hook size 10 for faster water. Try it, it seems to have universal fish appeal.
"Fishermen are born honest, but they get over it"
Ed Zern