I'm thinking the first one (except the divider colors...I might go lighter) as first glance at the second one and I would guess you are a musician. Just my take.
They both have their ups and downs. The first one shows off what you're capable of doing, but it's also kind of a busy background. The second one is not as interesting of a picture, but it's also very clean and well laid out. The one and only thing I'd change would be to move the "Dand Gruskin" text down a little more on the guitar one, it kind of crowds the top too much. If I were to choose between the two, I would go with the first one.
I think the guitar one is very sharp looking. The only thing is maybe bring down the print in the upper left hand corner? Just slightly though. Otherwise this is excellent IMO.
The first one, mainly because your first line says fine art, and the guitar just does not scream fine art. Only my initial opiniion. Both are very nice.
I vote for the water shot, but the text portion still needs a bit more work. Nothing wrong with the guitar shot except that it looks like it should be the card for a musician.
I do like the guitar shot but for a business card the other one does work better for me. The guitar does tend to convey musician more than photographer.
If you do go with the guitar one I also feel the text is way too tight at the top - it actually makes it look as if the card has been incorrectly cropped/ cut.
By the way, what is an "occasion" photographer? Is it a widely used expression? If not I'd consider changing it as my first thought was "occasional photographer"! :o)
