| Name | Age | Club | Time | Splits | ||||
| 1 | Robyn E Dickson | 13 | Co Glasgow | 3:00.31 | 41.37 | 1:27.23 | 2:13.86 | 3:00.31 |
| 2 | Lauren Doughty | 12 | Dun City Aqu | 3:03.48 | 41.68 | 1:27.87 | 2:16.06 | 3:03.48 |
| 3 | Elspeth Stevenson | 14 | WDSX | 3:05.28 | 43.92 | 1:30.93 | 2:18.05 | 3:05.28 |
| 4 | Lorna Gemmell | 14 | Lanark | 3:06.80 | 43.88 | 1:31.02 | 2:18.92 | 3:06.80 |
| 5 | Katie McIntyre | 12 | Lanark | 3:09.00 | 42.91 | 1:31.10 | 2:20.87 | 3:09.00 |
| 6 | Jennifer Dickson | 12 | Co Glasgow | 3:09.74 | 44.63 | 1:33.65 | 2:22.83 | 3:09.74 |