Okay, here I am again.
Fern, I dug way deep into your image, read your algorythims, camera profile, etc. With all of that info I have the following conclusion and I am pretty sure it's "closer to fine". (Sorry bout that song lyric, you are probably to young for that one.

I'd like to also say that each step that was taken by member certainly did make the image better and better and now certainly usable.
Here is what I think the overall situation is.
#1) Low light conditions, slow ISO. If you look real close at the bird you will see some ghosting which is actually a bit of movement as I assume he was slowly walking and stalking food. What gets me a little though is that the water is pretty tack sharp but I am pretty sure I see some movement in the bird. The ghosting usually come from dragging the shutter during a strobed exposure but unless your strobe was set way low I see no other evidence of lighting. I have no idea of your experience or abilities so please forgive me if I speak over your head.
#2) The more I looked the more evident it was that your image was underexposed. Your camera tried like hell to preserve some detail in those feathers but it does not have the lattitude to expose a range from the bright highlights of the water and the shadow of the bird. If you look closely at the bird you will see lots of orange speckles which is also a tell tell sign. If I had to guess you were probably having to shoot with a pretty slow lens. It's all good, it's how we learn. I am gonna give you a short tutorial here on how to improve the image and make it more pleasing to the eye. Just know that my CS2 crashed and I am in an ongoing battle with AP trying to get it replaced so I am only blessed with PS7. I am gonna write this in a way that will work for both programs. Thjs is actually a very old trick I learned to emulate one of those lovely old softar 7 filters for my Hasselblad and it works great on portraits as well.
It's an old Indigo Girls song by the same title. I went to grad school at UGA and that's when they were big along with B52's and REM.
#1) Open original image - Duplicate image. Turn the layer mode on the copy to darkness and the numeric amount to 75.
#2) Continuing with the copy layer active Filter/Blur and make the numeric about equal to the file size of your photo.
#3) Link and merge those to copy layers together. The image will be a bit hazy and dreamy looking now. Now reset your color picker to black foreground over white background. Using your paint brush, make it pretty soft, like in the 60's and make it the size that will make it easy for you to paint over the problem subject in this case the bird. You will see as you paint the gaussianed image will be erased as you paint away your subject.
So in this case I worked at erasing every bit of the bird, nice clean edges so nobody can tell. This will leave your subject or subjects sharp as before and the background will be thrown out of focus and you can make it more or less using the opacity slider on the levels pallette. By throwing out the bacground you are basically creating a depth of field effect and it fools the eye into thinking that the bird is sharper than it appears. Now before we flattend. So now your bird is sharper then before and your backround is just slightly soft focus. I am working on an example image for yuo to look at, just give me a bit to finish it.
Hope this helped you,
chris