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As the mn, I don't think it's a big problem even though you live there. I live a 30-minute drive from GA and I know a few little Georgias who live in or very near the state and it doesn't seem to be an issue (don't know any Floridas, though :b). But if you don't like it enough to use it, you probably shouldn't. I personally don't like some of my family members' names but it's a bit of a tradition to use family names as mn's, and I care about them and esp. since it's a mn it doesn't bother me to use it. I also like Eliora's suggestion of Jenny, as either the fn or mn. If you don't love either of those ideas, letting her choose would be a great plan, I think. Good luck!