Hi! Thank you for your reponse.
I measured my inseam as you described at home yesterday and I did get measured at the LBS last week, but not in my bike shorts. They did say that my inseam was about 27 inches. I can go back and make sure....with my bike shorts.
I have read that if I am not proportional according to height and inseam that a woman's bike would not be the best fit for me. My problem now is finding a men's bike that will fit my standover height.