I haven't taken notice of what the water temps were, but I have noticed Black Crappie being around the banks & White Crappie hanging out around the channel edges in the Fall. I think they both follow Shad schools back into the creeks/coves, but just prefer different areas & depths to intercept them. Of course, not "all" of them follow the rules , so you may encounter either or both at either or both places & depths.