Bill
I am in Northern CA and what you described is pretty much the normal for all of the areas in the state I have worked in. We usually install a flush panel that has a meter socket, main breaker and a 24 or 40 circuit distribution panel. All of the manufactures make panels like this. A common one used is a Square D SC2040M200C. If overhead service is used then the mast usually needs to be at least 30" above the roof. The drop should be attached a minimum of 18" above the roof and most electric utility's require 12" between the point of attachment and the weather head (I know this is a PG&E requirement but not sure if its a EUSERC requirement). Please feel free to ask any other questions about this type of installation.
Curt
