Painter 3? hmm.. that's old.
I like the dragon more than the horse, simply because you actually added a background color to it while the horses still have the canvas as the background.
Real watercollor is a pain to do so because new layers of painting won't actually cover the first one and will mix up making a mess, but as you're doing it digitaly, you can always do that, or simulate the goache effect, where the layers cover the previous and you can have a wide variety of colors.