Hi Christine,
I responded to you on the other thread about Terry bikes. I agree with han-grrl that standover is really important. I would not buy a bike I couldn't stand over, and at 5'2", I don't think I could ride a bike with two 700c wheels! I am currently riding a 17.5" Terry Isis with 24" front wheel and have my eyes on bikes with two 650c wheels for the future (when I can afford to upgrade to carbon fiber).
Anyway, I just wanted to point out a possible source for a Terry Classic (16") at a lower price than the current new price. These are fantastic bikes (I test rode one before choosing my demo Isis last fall) and might really meet your needs - the componentry is better than the Susan B, so the Classic would probably last longer, and it has the flat bars you want. You do get what you pay for, so you might want to consider upping your budget just a bit to get something that really fits you right and you will use and enjoy for many years to come. As a very small person, you just might have to pay a bit more to get something that is just right for you.
I don't know if it is still available, but someone listed a 16" Classic for sale on the Terry site this summer, so have a look at this link:
http://www.terrybicycles.com/Trade/sell.lasso
Also, there are 2002 demo Classics (in 16") available on the Terry site:
http://www.terrybicycles.com/Bikes/saleclass02.lasso
The 2002 model is a gorgeous lavender color - that's the one I test rode last fall. Stunning bike! I loved the thumb shifters too. You can also get it in silver if you prefer.
Keep us posted on what you decide to do!
Emily



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