You would also fit on a Bike Friday with 20" wheels. I have one I bought for touring but it's great for regular road riding as well.

Agree too with the Terry recommendation. I used to have an Isis and fit well on the 17.5" size at 5'2" with 28.5"ish inseam. You'd need the smallest size (16"). There's a gal in the club I used to be in around your height that rides that size.

Definitely agree about the MTB -- I love mine and ride it on the road for utility rides and on paved trails, but it's quite heavy compared to my road bikes.

Good luck!