Using 650c wheels on a bike meant for 700c is a bad idea because it will put the bottom bracket too close to the ground and result in unavoidable pedal strike. The 43cm Fuji Classic Track 650 is a good idea but it's well above your $200 budget.

http://www.cyclechoice.com/store/pro...e-Bike-Yellow/

Why is a slightly slanted top tube such a bad thing?