You might check out the women's subforum on mtbr.com. There on some threads on bikes for short people. There are also some people looking to sell their bikes. I seem to recall a couple of women looking to sell their XSS or XS Titus bikes. Titus is one of the few that might fit you. They were purchased by a new company last year; I'm not sure they're currently in production, hence the need to buy used.