Its alright...
The hovering face is ok, could use some proper toning as well as some highlights and shadows.
The line art could use some smoothing as well.
The Photo stock of the rippling water and the reflected face are what is hurting this most. You would have been better off drawing the ripples so they would flow better with the picture. If not doing line art for them you could have done it with simple colors.
As for the reflected face, it doesn't even match the hovering face. If you were truly striving for a distorted refection then you should have tried to match the faces more. Also you should have had the reflected face distort with the ripples as well. This again, goes back to what I mentioned a few lines up about drawing your own water ripples.
