Originally posted by Mychael Looking in the viewfinder. I am seeing 6(the shutter speed) f4.5 (aperture) The focus hexagon, the steady hand, A run of little bars, with just the centre one lit, a + sign followed by 3.5 and lastly a star.
So perhaps an ND filter is the answer, it's what I would have done with my P&S trying to do the same thing. I've been assuming with the DSLR I'd have other ways to get the same result.
Yes, that means the camera thinks you will be 3.5 stops overexposed at those settings. If you can, turn down the ISO further, which will reduce the sensitivity of the sensor to light. Also, depending on the focal length of your lens and the distance from the water to the background, you can possibly get away with a higher f-stop.
DSLRs offer you a lot of control over the particulars of taking a photograph, along with higher performance and tighter precision, but they follow the same basic rules as any consumer P&S at the end of the day. If there's still too much light you will need to shoot later/earlier in the day or with a neutral density filter to get your desired effect.