Since kakashi doesn't have a head band on, he must have been zetsu in that scene because while zetsu can also make clothes for his clones, headbands have a magic ward on them so there is no way he can make a clone with a headband.

Ummmmmmmm if zetsu can make clothes for his clones then why not headbands?

Stupid, he has a stockpile of clothes, but forgot to buy the headbands from his supplier. When he makes a clone they are naked and he has to dress himself!