Thanks for all of your responses. Every bike I trid some stores told me I was a 54, or 52.When I stand over this bike I have about 1/2 to 1 inch clearance. On the 54 inch bike my crotch was on the bar, not a good feeling. The owners manual said I should have 2 inches of clearance from the bar.

I can see I'm in over my head with the language of bikes!

Beaker, what is a saddle to bar drop? Is that the difference between the seat height and the handle bar? or the frame bar?