Well done! I really like the color and atmosphere of the piece overall. The pose is nice, and having the hair blend into the water was a fun idea.
If I might make a few recommendations, from one artist to another:
- Have some fun with the shape of the clothing! The hem of the shirt, skirt, and sleeves all come to near perfect circles, when being in water is one of the best excuses to try something fun and new.
- The hard brush is a fun effect in the water, but I would have gone a bit softer on her blending. It's down to preference though.
- You're a talented enough artist to not stick to anime tropes in your drawing, especially in the face. I'm not saying you have to go for full realism, but try new styles, and you'll see significant improvement in other areas of your art as well as you begin to rely less on symbols.
Keep it up! Every new drawing is a step from good to amazing!