I'm 70" tall with a 34" inseam (to the ground). Competitive Cyclist's calculator tells me I need a 58-59 seat tube and a 55.5 top tube. Kinda hard to find bikes like that. Got similar results from the LBS Fit Kit guy doing what he called a Quick Fit (1st cut).

My current 1979 road bike has a 58 top tube and 58 seat tube. I have it set for a 78 cm saddle to BB height. Competitive says it should be 79-81. Not sure I could even reach the pedals with that. I AM sure that the 58 top tube is too long, as it's an awkward reach to the hoods. I started a thread a couple of days ago about bike fit tradeoffs for guys with long legs (http://www.bikeforums.net/showthread.php?t=494803). DaveSSS and others had some good comments there you might want to read.