OK, so you are 5'5", and a guy. welcome to our height. 5'5" is not short for a lady (not to say that I am a lady, but anyway...) any good brand will have a 44-49 in their line, and any real bike shop will have a selection of these sizes, without you breaking your piggy bank.
do you want a cyclo cross bike? try the Bianchi Cross Concept - they've got the widest range of sizes of any bike manufacturer - hence my nickname...bianchibikermom... to be more specific, short bianchi cross concept mom.
ride in the mud