Charley - the song is from an early album by Spirit of the West. I believe all the songs were written by band members, although they often mix in traditional tunes alongside their lyrics.
The LP was - Tripping Up the Stairs (1986).
An excellent band. I saw them in Leeds (UK) about 20 years back.
One member, Geoffrey Kelly is also a member of the Paperboys.

Quack!
Geoff the Duck.