My almost 4 year old got his first haircut at 2 - and that was just because I wanted to fit in... he now gets a haircut every 6 months or so.
My baby (18 months) has some long hair (8 of the, actually) - but he's so blond he looks bald. I was bald until close to two.
To my knowledge, the only baby issues that could cause baldness are hypothyroidism and nutritional insufficiency. Assuming that your daughter's color, weight and activity level are normal - I think you just have a beautiful bald baby. :) She'll get hair eventually.. until then, those little flower ribbon headbands will get the IM A GIRL message a cross.