A better picture of the Helena Wharf Boat is found here:
http://en.wikipedia.org/wiki/SS_Sultana
…………
WHARF BOAT
a boat moored and used for a wharf at a bank of a river or in a like situation where the height of the water is so variable that a fixed wharf is impracticable
…
a boat supporting a platform sometimes used as a wharf in rivers or in other situations where actual wharves do not exist, or where they are impracticable from the great variation in the height of the water.