You can see on a related thread called "Bike Sizing" that my friend is having similar issues because she needs a long reach bike (54cm) but doesn't have enough inseam to get on the darn thing. Women's geometry is the exact wrong thing for you because typically this is designed for long legs and short reach. Compact geometry seems to be the best thing we have found so far since they fudge the effective top tube length by having a sloped frame (don't ask me how this works - geometry was a long time ago) that results in a smaller bike with a longer effective reach. The Giant bikes - OCR1, OCR2 and OCR3 are all compact geometry. There are some others as well I believe but since we are looking for a used bike we have been focussing on what comes up.
Good luck.
Mel