The seller of the 950 even told me he thinks it would be to small for me, so thats probably a no go which sucks, it seemed fairly promising. Is 19.5" what I should be looking for based on my height? It seems to me that an inch smaller wouldn't be that huge but I don't know bikes, hence why I'm here.

I got a response from the seller of the Trek 820, which is going for $250, they say it's a year old, and only has 1 minor frame scratch. I'm still waiting to hear about size of the bike and whether or not the price is negotiable.

The local store I know for a fact has Trek and Cannondale because I saw them. Here is a link for the shop: http://www.ingearcycling-fitness.com/home.htm