We wanted the same thing, really small. We went with a local boat (Betsy Ann River Boat
Riverboat | Cruises | Paddle Boat | BestyAnn | Panama City | Beach | Family Fun | Comedy Zone | Dinner ) and they did everything for us. The cool thing was that as a Captain, the Captain/Owner of the boat could marry us. We had the ceremony at sunset and then cruised the Bay for our reception.
Check to see if there is any hidden treasure like that in your area.