Coincidentally, DD and I were at Target yesterday looking for exactly what the OP is looking for, and did not have much luck - everything in juniors was short and showed a lot of skin. We did this, which was prettier in person than it is in this photo, it would probably be about knee-length on a 5' 3" girl. My DD needed a cami underneath because the neckline was a little low on her, and would wear it with a pretty cardigan.
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For a younger girl you could add some leggings to that as well as a cami or shrug and be fine.
