^ Beat me to it. I was going to chime in that Surly makes a 42 and and 46 cm frame (I think) in both the Long Haul Trucker and Cross Check. I ride a 50 cm Surly and I am very happy with it. Good - it can be tough to find a good bike for short people. I have heard good things about Terry as well (especially related to fitting short women). Never seen one, but they seem like nice bikes.