I guess you're tired of hearing this but you're good, you really have some talent in there!
You have a good sense of proportion, a reasonable drawing I guess, and in spite you do it on photoshop, you can make some decent painting.
The thing I really fell like you rock on is the compositions you make. Your pretty good at posing your characters. 5*
BUT, I bet you aren't in any art school or receiving any kind of instruction.
You do this just for fun, don't ya?
P.S. Can you post some drawing besides your photoshop works? I'm really curious about your artworks!