Hi Letty,
I just got back from vacation so have been away from the boards. I notice no one has mentioned Aegis yet. They are a small carbon-frame builder in Maine. Check out the Aegis Swift, which comes in a 44 cm size (650c wheels). I just got a great deal on an unused 1999 46cm Swift frame and fork off eBay (I'm 5'2"), and it is absolutely gorgeous and light as a feather! I am going to have it built up after the holidays, and I can't wait. I currently ride a steel Terry Isis, which I love, but expect the Aegis to be about 5 lbs. lighter when built, which should help some with my hill-climbing (I hope!) I also test-rode a Trek 5200WSD in the 47cm size, but it was just a hair too long in the top tube for me (19.7" vs. 19.1" for my Aegis).
The Aegis folks have been wonderful answering the few questions I had, and I do believe their prices are slightly lower than Calfee. They are very well-regarded but not as well-known as Calfee.
Their website is: http://www.aegisbicycles.com/. No affiliation, just a happy customer!
Do let us know what you decide!
Emily