Jquery form field masking with default value that doesn't match the mask?

Jquery form field masking with default value that doesn't match the mask?

Does anyone know of a form field masking plugin or script that allows the field to have a default value that doesn't match the mask?

For example, a text field that says "Phone" initially. When you click in it, "Phone" disappears, and it says "(___)___-____", which fills in as you type, like "(123)456-7890".

I've written a script that will show/clear the default value, and I've found plugins that will allow masking, but I'm not sure how to combine the two.