There are a number of women specific bikes out there – trek, bianchi, specialized, pinarello, cinelli, orbea, lemond, wilier etc etc but whether you will be able to get one with mudguard and pannier mounts is a different matter.
I am 5ft 3″ and opted for a custom built 725 touring bike from Andy Thompson so I was able to specify exactly what I wanted (mudguards and rack for touring) and what spec I wanted – in my case campag chorus (I have quite small hands and personally find campag suits my small hands), TA 165mm cranks and 3T Eva ladies bars (cinelli also do the littlewing ladies bars). Mine ended up being a 48cm frame with 700 wheels – if you go down the 650 wheels then you are somewhat limited in tyre choice. The 725 frame isn’t the lightest but it does ride light and the price of a 725 frame won’t break the bank account. You may be able to get some cross bikes that have mudguard/rack mounts but again finding one that fits you will be difficult – it was hard enough to find one small enough myself. What is your budget?