The Giant OCR W series goes down to 43cm with 700C wheels, and they also have a 41cm with 650C's.

The OCR3 is $750 with 2220.
And the OCR1 is $1175 with 105 (Shimano ST-R700 for the womans)

Giant seems to have a good range of sizes and prices. The Womens and Mens Giants are very different frames size for size as well. I don't know how much being a woman or a man effects seat and head angles... but I guess it does.