Hey Denise and laughlaugh,
What you're describing (top tube length vs. seat tube length) is one of the reasons behind the WSD frames (Women's Specific Design.) Women typically have shorter torsos relative to their leg length than men of the same height. WSD bikes generally have shorter top tubes relative to the seat tube length.
Laughlaugh -- try the 15" frame size, but if you feel too stretched out, you should probably look at some women's specific designed frames. Trek makes a lot of WSD bikes. Bianchi makes the Eros Donna. Specialized makes the Ruby series. I forget what Cannondale calls their "women's" frames.
Denise -- How's it going? Long time, no chat! You can't change out your top tube, but you can change your stem length. Careful, though, because drastic changes will affect the handling of your bike. Your bike shop can give you recommendations.
Hope this helps!
-- Melissa



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