My first road bike after picking cycling back up a in 2009 was a Felt ZW100. She was a good entry level bike with a decent set of components. Did lots of research and she was in my top 3. Just sold it a few months ago, as I upgraded to a carbon Synapse.
My sister also picked up cycling again in 2010, and purchased a Felt as well, without knowing that was the brand I chose, too. She did go one level up to the ZW95 which had a carbon seat stays as well as fork in the 2010 version.
Felt gives you a lot for the money. I'd suggest riding all the contenders and seeing how they feel. I agree about finding a small frame - it's hard finding one second hand. Sometimes toward the end of summer you can find a good deal on a year-end closeout, but the small frames again are the first to go.
If you're doing a lot of hills, consider a triple crank or a compact double. I think all of the Felts now are compact double standard, while mine was a triple.
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2009 Felt ZW100 (Gone but not forgotten)
2010 C'Dale Synapse 5 Carbon Fem | Koobi Si Classic | "Cinders"