1. Create a New Image: Width=500px X Height=500px, Resolution=200px/inch, and Transparent Raster Background. Name this Old Cement Texture.

2. Flood Fill canvas with #000000 color.

3. Flood Fill canvas again with combined Color=#2F3325 and Texture=Old Cement:




4. Now, open file RiverWater.psp or RiverWater.pspimage if you haven't done so already. Zoom out to about 80% and position it besides the Old Cement Texture you just made...

5. Use CLONE Blush tool with the setting below. Right Click an area on Old Cement Texture you want cloned. You can right click on different areas of the image to get different textures.




6. In RiverWater image, Left Click over the areas you want the cloned texture to show. You can increase or decrease opacity of Clone Brush to show parts that are above and below water level.




7. Use BURN Brush Tool with the setting below. Drag brush over the areas indicated to add shadows, depth and to blend the soil/rocks and river water as one picture. 




8. Add New Raster layer and name it MossyLayer.

9. Add moss using PAINT Brush Tool with the setting below and using #008000 color.




10. That's it. You can add tree branches, leaves, grass to complete the scene. You can save your work at this point.

11. As you can see, the finished image at 100% is too sharp and fuzzy.

RESIZING OPTION: (a) You can use Resize and size down the image to 80% or... (b) ZOOM Out to 80%, then go to View => Full Screen Preview then hit PRTSCN key. Press ESC to return to working screen, then hit CTRL+V to paste the screen capture. Use Shape Selector and Crop the image to the size of the picture.

Option (b) was used for the sample below... less fuzzy, more realistic..