I second Steves comments regarding the crop and I also really like the graduation of texture from the lower right to the brighter top left. I look forward to seeing more images appear on your portfolio. Regards and thanks for your own comment.
Your photo is wondeful! I like the composition you made by waiting until the 2 boats were in those positions. There is a pleasing tension between the near boat in the lower right and the far boat at top-center left.
Also, the tonality of your photo is very good -- the dark water at the bottom (but still with good texture) transitions nicely to the lighter water towards the middle of the photo.
My only suggestion would be to see if you like the photo with some of the sky cropped out. I like it better that way, but it is a personal choice. I have attached an example of what I mean.
Thank you for your kind comments on my Annapolis photo. Yes, the aperture seems wrong, but I think it may actually be correct. These little point-and-shoot cameras often use only one of two apertures, say f/2.8 and f/14, in auto or program mode. The info stored with the image did say f/2.8.
Also, I understand that because of the very small sensor size and very short focal lengths of these lenses, the DOF is pretty large - that's another reason I eventually got a digital SLR. This photo was shot at the short end of the zoom range.