I fished Cats all my life and am really lovin the panfish now too. For artificials, I also use Foodsource. I tip a 1/32oz Cabin Creek Popeye Jig (99 cents) with a 1" mealworm. The Popeye was recomended to me a while back on this site, and they are great. I found a hole here on a Ozark Missouri river and every catch is split between Rainbow Trout and Gills with those Popeyes depending on how I fish.
For more weight, put a small spitshot 8" above the jig.
Here's the thread where I asked a similiar question - the fellers were right
Wax Worms and Maggot Question