Thanks to everyone for the tips and help! We are really not in a position to be able to afford a "bike shop" bike. I was pretty happy with something I found at Walmart...called a Schwin City Series. Well, let me tell you, it's a big leap from that clunky old mountain bike I was using. It's SO much faster! I rode it around in Walmart and everyone looked at me like I was crazy!

It's fast, 21 speeds, has great tires (not too thick and not too thin) and the distance between the seat and the bars is perfect for me! Wow, I never realized what a big deal that is! I'm so short. So, it's more affordable and I guess I'll get it for now. Eventually, someday, I'll get an awesome bike. But for me, this cheaper up-grade seems like it will be just wonderful. I will need my old saddle off the dirt bike, though...the saddle on the new bike was awful!!!