Another vote for the Soma Buena Vista. I'm drooling over one as my 'all-things' bike. I'll use it around town, for commuting and for light touring. The smallest frame size is a 42cm and it fits 26" wheels. I'm certain the stand-over is short though I don't know the exact height. (just looked it up: 25" stand-over)

http://www.somafab.com/archives/product/buena-vista