ok... i solved my dilema and picked up a topeak bag (actually had the LBS order one and it came in yesterday)

http://www.topeak.com/2004/products/bag_006.html

i chose the micro size cuz i have a motorola v600 flip and didn't need the larger one. if it wasn't already in a case it would fit perfectly.. as it is.. with the knbby thing poking out the back.. it fits, but tightly.

i put it on the stem of my handle bar and it looks good!

i would have loved to have gotten the bigger bag... but didn't really have a place to put it http://www.topeak.com/2004/products/bag_007.html cuz it could have held the digital camera or anything else that won't fit in my overstuffed (or too small) under the saddle bag)

since i'm still new and don't have a ton of jerseys... and do a lot of riding within the neighborhood/in town.. this works perfectly for me when i don't have pockets! i feel safe with my phone.. and don't feel it's going to fall off when i clip it to my shorts..