I'm really not a mountain biker, but I worked with someone who is (at a bike shop.) Think about the terrain you'll be riding on and what your interests are. When I lived in Ohio (next to no rocks, mostly tree roots, not necessarily technical unless you went looking for it), I could probably have gotten away with a hardtail 29er. Here in Arizona, with lots of rocks, I'd want full suspension. Now, a hardtail will teach you better riding skills (at least, as far as line-picking goes) because you don't have the suspension there to cushion your mistakes. On the flip side, you'd like to be somewhat comfortable or you won't ride! Also, your trails will sort-of dictate your wheel size. Lots of switchbacks or curves? Go for a 26" or 27.5". Not so many switchbacks but there are lots of things to roll over? 29er. Get something with a lock-out fork, although if you're looking at disc brakes, that should be fairly standard at that level, I think.
Sizing feels different too. Like Irulan said, you'll want it to feel small until you get out on the trail. Now, having said that, go try out a few. Depending how tall you are and whether or not you need women-specific fit, you may or may not have a hard time with finding them. If at all possible, try out different wheel sizes. Get out of the saddle, ride it off curbs, something to give you an idea of how it handles.
When I was looking at MTBs, I was looking at the Fuji Nevada 1.1 (I think that's what it was)(or the Tahoe 1.1), the Giant Talon series, or the Specialized Jett/Fate. These are all HT 29ers, and I believe they all have disc brakes.




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