Originally Posted by
canyoneagle
Okay, the edit on height and inseam really helps narrow it down.
You'll be limited on bikes on the used market for sure - but not completely out of the picture.
Mountain bike frame size will be "extra small" or 14" or so. Road/cyclocross/hybrid frame size will be 45cm or so, which is extremely hard to find, if at all.
This bike is a possibility, in the "extra small" size
http://www.bikesdirect.com/products/dawes/lttour.htm
I agree with the recommendation above for a Hybrid ...

Get the 46cm size - no sales tax and free shipping included
Based on your requirements for a Small frame size this is a good match:
Shimano STI, 24 Speed, FlatBar 2010 Dawes Lightning Tour $389
http://www.bikesdirect.com/products/dawes/lttour.htm