hate to send you somewhere else, but the women's lounge at MTBR.com has an extensive FAQ on small mountain bikes for short gals.

http://forums.mtbr.com/forumdisplay.php?f=94 is the main link, follow links to faq. There are a few manufacturers that make 14" and 13" inch bikes. If you want an inexpensive HT that might be a good place to start.