PM,
One thing to remember that I learned at a seminar long long ago, is that fishes gills are sensitive to muddy and sandy water. It burns their gills, kinda like when the campfire smoke blows in your direction. So, many species of river fish including trout will move and look for cleaner water to hold in. Usually, the smaller streams and runoffs flowing into the river are clearer where they dump in and therefore are holding trout. Also, look for back eddies, whirlpools, and slow water along the bank. These spots are usually clearer as well. Basically, the fish are trying to get out of the muddy/sandy water if they can. If not, they will move to deeper water where the current is slower. After a big rain or snow meltoff, I will take a hike and look for clear water running into the river. This way I can fish the same way I usually do. The trout there are usually easier to catch than the ones that remain in the muddy/sandy water.
Now, if you just have to fish the muddy/sandy water, go bigger and deeper and use artee's approach.
This technique is also used by us striper fishermen, when the stripers come out of the ocean and into the rivers to spawn.
Cdog