"THE WATER HORSE" story is a whole bin of garbage! In the 1940s, a boy finds a dragon egg which hatches into The Loch Ness Monster. What horse manure! Sightings of the creature of Loch Ness dates back to 300 b.c. & we ALL know that Nessie wasn't a waterhorse. Neither hippocampus nor kelpie. Obviously the person who made the story got Nessie mixed up with the creature of Loch Arkaig. The Loch Arkaig Monster is a true 'waterhorse', with a horse-like head, neck & hindquarters.
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