Water effect (2)

Hello !

I have already asked this question, but I still cant get the right results. I would like to make a water effect like:
http://www.snedic.com/test/water.htm
http://www.flashkit.com/movies/Effects/Special_Effects/Water_Ef-neofmatr-3696/index.php

I DL the fla but I cant solve the problem with masked layers, so I would be realy gratefull if you flashers could give me some advice or some link for tutorial.

Tx again
Klemenzi