I am in Greenville, SC. Thanks for the offer though. The good news on the used market is that she doesnt really want to start riding outside until March or even DST, so I have some time. I tentatively plan to figure out what size she needs and then troll ebay until I find one local (Upstate SC, Charlotte, Atlanta area - dont want to waste shipping on such a small budget) or through my local club bulletin boards, etc.

Has any of you with her proportions had experience with a Men's Small frame size, like a Giant or something like that?

While you all have been posting here, I have been doing a bit of reading on the web and I feel pretty comfortable with a 48" seat tube (on a standard geometry), but I am still totally lost on cockpit length.