So far, it seems like you're trying to push everything on the bike lower.

This will work if your inseam is really short for your height; have people commented that your legs are shorter than normal? The reason why I say this is, with a really low seat, it's like you're riding on an extra-long frame -- which would be fine if you have short legs and a looong torso. However, you're not bringing the bars any closer to you by dropping them -- the steerer tube is angled so that, as you lower the stem, the bars actually get farther away.

But anyway --

Forget the handlebars for now, and -- again -- set the saddle according to your pedal stroke. If you've already done it exactly as described at bicycletutor.com (and his video is spot-on, IMO), and it still has to be as low as shown in your pics, you can either keep the bars low on the steerer (which will result in a long reach) or get a smaller bike (which will result in an average reach).

Looking at your pics again -- is it just me, or is the whole bike angled way back in the first pic?