I know this is kinda lame... but the price worked for me of what I wanted the bike for... here is my xc bike in size 48cm frame that might fit you...
http://forums.teamestrogen.com/showthread.php?t=41941
http://www.nashbar.com/bikes/Product...0_10000_202339
click on sizing chart and it gives the same TT as you need... plus I think the stand over works... their tech support is helpful and could calculate it for you but think it's about what mine is... it's gone on sale with special email offers less than $500... not fancy or great components... but good start for money.
I love my little xc bike.
p.s. edit add: I'm about 5ft 4.5/5 inches tall, but with a long torso and pretty short legs. My Orbea carbon roadie is size 49cm with almost identical geo as the xc bici, and my Trek wsd 4500 hard trail mtb is 16inch.