From the way you describe your figure, I'll bet you'd look great in a two piece with a bikini bottom and a swing-top. That would camouflage your tummy, and is very fashionable and cute. In fact, I've seen other shorter moms wearing them and thought they looked so adorable in them that I bought one on sale at the end of the summer and can't wait to put it on this year! I am taller and have a larger rear (along with the stretched out stomach!) but it looks cute enough on me, as well.
Another option is to wear a one piece with vertical lines to elongate your body.
Another option is to wear a beach cover over your bikini and just wear the bikini when you are sunning or in the water. Or you could wear a one piece with a wrap skirt when you are walking around.
Here are a few links:
A seersucker swing top by J Crew: http://www.jcrew.com/AST/Browse/WomenBrowse/Women_Shop_By...
Miraclesuits:
http://www.like.com/miraclesuit-swimsuit-womens-swimwear.htm
Flattering swimsuits:
http://www.itfigures.com/v07/core.html
http://www.bikinisunshine.com/one_piece_swimsuit_2.htm
http://www.bodenusa.com/en-US/Womens-Swimwear.html
http://www2.victoriassecret.com/collection/?cgname=OSSWMD...
Hope this helps a bit.