Thank yall so much for the replies. I looked through the threads quite a bit but I guess I was hoping that a short rider would have the magic answer for me.

I live in the DFW TX area and I have been to almost every bike shop around sitting on bikes. The problem I am having is that no one carries the XXS or XS to try out and no way am I putting another deposit on a bike that won't work for me. My LBS pretty much said too bad so sad...I am not too happy about it but unless I drop to a hardtail, I don't think Cannondale or trek bikes will work (once again I don't know 100% cause no one has any smaller bikes in stock to sit on). I will go through that thread and read...

It just really sucks with a 28.7 standover on the lexi 3 and if I measure my inseam it sits flat at 26. Talk about a pain!!!