Yes, I think you are right, Ian, that Ann Jane Radcliffe was born in 1839. And was either the dau of John R & Ann Skeally [bapt Andreas 29 Sept 1839] or of John R & Catherine Corlett [bapt Andreas 11 July 1839]. Both bapt Ann Jane.
She wasn't recorded as underage at marriage, and her father was John Radcliffe, farmer:
Robert Bannon laborer Andreas father Robert Bannon shoemaker
Ann Radcliffe Andreas father John Radcliffe farmer
Married 21 July 1860
The ages she gave at censuses 1861 - 1901 were 22, 28, 41, 51, 61, all give Andreas as birthplace [thanks, Brian].
Assuming she was most likely to give the right age a year after marriage - before lopping off a year or two as she got older - the bapt date of 1839 looks the most likely, although there were numerous Ann Radcliffes bapt Andreas a year or two later.
1881 census:
Robert BANNON Head M Male 41 Andreas Agr Lab
Ann BANNON Wife M Female 41 Andreas Char-Woman
Robert C. BANNON Son Male 12 Andreas, Scholar
John C. BANNON Son Male 10 Andreas Scholar
Margaret E. BANNON Daur Female 8 Andreas Scholar
Willie A. BANNON Son Male 7 Andreas,Scholar
Ethell C. BANNON Daur Female 5 Andreas, Scholar
James BANNON Son Male 3 Peel,
Henrietta BANNON Daur Female 1 Peel.
Source Information:
Dwelling 10 The Green
Census Place German - Peel, Isle of Man
IGI: Birth/Christening Father: Robert Bannan, Mother: Ann Radcliffe
ROBERT CORLETT BANNIN 26 JAN 1868 Andreas
ELIZABETH JANE BANNAN 20 JUL 1862 Andreas
JOHN ROBERT BANNAN 24 FEB 1861 Andreas
CATHERINE ANN BANNIN 6 MAY 1866 Andreas
MARGARET ELLEN BANNAN 7 JUL 1872 Andreas
HENRIETTA BANNIN 21 AUG 1864 Andreas
WILLIAM ARTHUR BAUNAN 25 OCT 1874 Andreas
BANNAN, Ann Jane 67 buried German 25 Mar 1910
That son with a second name Corlett might indicate that the grandmother was Corlett?
"William (b. 1763) by his marriage to Jane Kaighen established a family known as the Ballavastyn branch, because of the residence of some of them on part of that quarterland. William's son and grandson, both named John, were only sons, but the grandson John (b. 1817) had ten children by his marriage to Catherine Corlett, and another seven by his
second marriage to Ann Jane Kissack." [Constance Radcliffe]
Sue