My saddle height is 36"
I traveled a little further from home to a large shop today. The salesman took some measurements and said I would need a 50 to 52 cm depending on the model of bike. I road a couple - a Trek 1.5 WSD 50 and a Specialized Dolce Elite Compact 51. Both felt comfortable enough but the Specialized actually seemed a little smaller to me. The salesman thought my form looked better on the Specialized. I am going to try another shop this weekend and hopefully they will have at least one smaller that I can try.
Thanks everyone.