I am a short male, 5'4". The Trek 7300FX with the 15" frame fits me good but there is the problem with overlap of my feet and the front wheel. I recently purchased a Haro Backtrail 24" BMX bike. To me it is a great bike for up to 20 mile trips. The tires are good for 65 PSI which makes for a good ride on roads and is great for urban commuting. Fast steering,handles curbs and good for offroad too. Extremely well built. It may be worth considering.
littledog