Their aren't many options with 650 wheels for 2013. Trek dropped its 43cm bikes with 650 wheels after 2011. Now Felt is dropping its offering. Terry does have small bikes with small wheels. They have steel and aluminum. Here is Terry's geometry chart: http://www.terrybicycles.com/Ready-T...cycle-Geometry

The Specialized bikes, the Ruby and the Dolce, come in a 44cm size which is pretty compact even though they have 700 wheels.

The downside of 650 wheels is finding tires, especially if you want something wider than 23s. Yet, depending on how you are built the smaller wheels just may be what you need. I needed an extra small bike because my torso and arms are so short, so I ended up with 650 wheels. If a bike with larger wheels fits you I would get the bike that can take the 700 wheels.