I'm an apple, I carry all my weight in my tummy. I'm 6 feet and when I weighed 200 lbs my waist was a 38. Now that I'm 163, my waist is around a 34. I will never have (nor ever had) a small waist. They talk about the hip/waist ratio and how it should be 8 inches (for women) between the two to be the healthiest, I never will hit that ratio because my genetics don't allow it.
If I were you I would just work on reducing the fat throughout your entire body and let your waist fall to where it should be naturally.