Your basic ground texture is looking pretty good, but some of your bump map is spreading into the water. I assume you have the bump map on it's on layer in which case it should be pretty easy to fix with a layer mask. With the city, the western side looks like it's been drawn to fit the edge of the paper (you're in great company here, old mapmakers did this a lot when paper was expensive!). In addition to the roads, try putting in some squares and think early what the scale of the city is going to be, what major buildings it will have and then make sure the roads work with the major buildings. Take a look at the tutorial in my sig regarding city building which may help with the process.
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