April 16, 2013, Palatka, Fla., Cessna A185F Amphibian

The private pilot reported attempting a touch-and-go landing on a river about three miles from the departure airport. He also reported he was distracted by potential skydivers, towers in the area and by discussing the route of flight with his passenger. He did not retract the landing gear following the previous runway takeoff and landed on the water with the wheels extended. The airplane immediately nosed over and came to rest inverted in the water.