its beautiful dude!
(my dad just said so too ^^)
the waters so beautiful all still and i love the terrain colours - the bandings weird to the right
the refelction on the waters perfect - i luv it - also i love the rays - thats a great touch
overall = beautiful work +fav!
Apart from everything else that has been said, both good and bad, I'm having a problem with the level of darkness in the image. There's no indication that the clouds are anywhere near thick enough to block that much light. I mean, it's dark enough to be night in some spots.
I like the shape of the terrains, particular the lone mesa in the lake, but sanosoke is right that it looks like it should have long ago eroded away. I think the "weird thing" about the water is that it almost looks like crude oil.
looks good for the whole, there are a few things I take issue with.
First is this strata texture you've got, but everyone else has said something, so I'll just suggest putting in a whole lot more lines and colors, usually they are packed pretty tightly. . .and then follow everyone else's advice.
The water looks weird (refer to Stotty's comment)
There needs a very small, darker shoreline right at the bottom for the most recent tide shift that wouldn't have dried off at all yet.
Lastly, the color of the rock implies a soft rock, clay thing, like sandstone or something. As is, I can't imagine that it would be as solid as your terrain suggests. I would eiither change the color of the rock to show that it can stand with that water around, or change the terrain to be more realistic with this unstable rock
Ok, that's all, nice piece, maybe a little more depth to it could help too
Wow, this is strangely surreal, the calmness looks odd here, but its not easy to put my finger on it - I think it could be the waves being so tiny - maybe either no ripples, or bigger, gentle waves. The layout is wonderful and the rock texture has the right level of bumpyness.
The only other thing apart from the water I could offer as advice would be the strata on the rock and texturing, did you use a noise pic to roughen it up any first, if not that may help the rigid lines and stop the need for blurring. Also, you could try blurring the strata bmp too. In addition, it would help if you added a child texture from this of the same rock colour with medium-low coverage to break up the lines too. The area below the verticals, that seems to be lacking some other textures, maybe slightly darker and don't forget the wet area at the base too.
All round mighty fine image though - stotty applauds loudly. Good work.