You need to look at the geometry charts on the Terry web site. Also, they have very good customer service, so you could call and ask questions. But, if you are ordering online from someone else, you shouldn't tell them this, as it's a no-no. It seems like based on your leg length, you will need the 13 inch frame.
Don't buy a bike on line without knowing all of your measurements. You might want to have a fitting at a reputable bike shop.