Well, this is a stab at an 'above' ground map (recently I've been working on caves) using many of the same techniques.
The water effect for the lake turned out fairly well. I really didn't care about the surrounding forest areas (I need to learn how to do that) but I'm happy about the use of the 'tower' icons that I found on the forum to use as markers for my settlements. Additionally I tried adding "Cliffs" as an element on the left-side of the map on the shore (kind of like the white cliffs of Dover). They turned our fairly well also.
I tried to work on labeling (other than the scroll at the top) but it didn't turn out so well. I added a shadow effect behind the letters to pull them off of the page.
Any suggestions or feedback is welcome.
Larger copies of my maps located on flickr and can be used for your enjoyment.