That's it!! At least, that's the one I was thinking of. Thanks for finding it.

As I suspected, I had it as a cwk file
only so wouldn't have found it on my computer without an author name unless I stumbled upon it by accident. Looking back over it I recall I liked the story (although there is some character bashing which I do hate) but I still liked it when I read it. Glad to know where it is again now.
So frustrating that Spuffy Fantasy went away -- it was a great site for fantasy stories back in the day.