This is fun I like this game. Thanks windrider86!
In Photoshop I desaturated the original image then blended the Creature from the Black Lagoon into the water with a combination of erase, clone and healing brush tools. Adjusted Levels, used a plug-in called RealGrain on the Black & White Films setting using Kodak T-Max 100 film pushed 1 stop. Then used the Underwater Photo Filter at 10%.