The problem with reaching for high-efficiency just for hi-eff. sake, or utility rebates, is that in order to get a 16 SEER a 2 ton A/C (or larger) is needed. Your home might have been better suited with a 1 1/2 ton A/C.
If you home is really small, I would have suggested saving you some money on a single stage furnace with maybe a X13 motor. The 1 1/2 ton A/C would dehumidify better than an oversized 2 ton "hi-eff." unit that starts and stops every 5 minutes.