For those of you with long legs but vertically challenged, you might want to take a look at the Aegis Swift. I'm 5'2" with average inseam (28" ish), and the top tube on my 46 cm Aegis is nice and short (19.1") so that I am able to use a 9 cm instead of a shorter stem (for better handling), but the standover is a lot higher than on my Terry Isis, which has a 19" top tube as well. In fact, when I first got it, I was concerned that I'd bought too large a frame b/c I really don't have any "space" between the top tube and the padding on my shorts when I stand over it (they lightly touch). However, it hasn't given me any problems at all.

The Swift also comes in 44 and 48-cm sizes, and all have 650C wheels to accommodate the shorter top tubes. You can check it out here.

It's definitely a "move up" bike ($$), but is a sweet carbon ride from a great company (they make 'em in Maine), and seems built for shorter women with longer legs! I have no affiliation with the company but am a very satisfied customer.

Emily