If there is a Loch Ness
lol of course there is!! Do you mean Lock Ness Monster? 
As for the monster, it's far too smooth, you need to do some texture work on it as it stands out as lacking quite a bit. Also get some plankton and stuff in there silt etc. to dirty the water up a bit.
Alan
Technical Director - Framestore
Currently working on: Your Highness
IMDB