David, This is a shot of a Trek (small) on a 42 cm frame. It still sits pretty high. Our daughter did not have any problem with it on loaded tours. I think if there was a small rack made for 26" wheels, it might fit better. I have a Tubus Cargo made for 26" wheels which is going to be installed on our other daughter's 50 cm bike. I'll let you know how it fits.
