Hi Teresa,
I'm also shopping for a bike and dh and I are both getting the Moto-Lite and there are no dealers here either but I've read nothing but amazing reviews so were going to go for it. We are the same height and weight and I'm getting a medium women's. I went to the competitivecyclist.com website and btw, they offer a 10% off military discount and dh is active duty They have a awesome sizing calculator and it put me at a medium. They will mail you a bike and let you try it for 7 days and give you a $100 credit if you buy a bike thru them too....but with the reviews I don't think I need a test drive...and neither does dh.