> she has been started-though there was a saddle issue and her current
owner 
> hasn't worked her through it yet-she has been riding her bareback since 
> then.  

Any idea what type of saddle she tried?

If the mare is wide, mutton-withered, you may consider a treeless
saddle for her.

Here's some info about the shape of the backs of Icelandic Horses:

http://iceryder.net/backshape.html

There are several links there to other pages with educational information.


Judy
http://iceryder.net
http://clickryder.com 

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