I have also been looking for a great bike for small girls. I am taller then you but I only have a 27" inseam. As I inquired about this bike or that bike a consistant reply from multiple sources has been that the bike of which I was inquiring was good because of this or that "but" have I tried the Ruby Comp? Well, I rode one all morning and all I can say is don't buy a bike until you have tried the Specialized Ruby Comp or Expert. I have never felt as in control and comfortable on a bike. I kinda think the advertising hype of the company is true. The bike comes in a 44 cm! The stand over is great for us small girls or short legged girls.