Bruce,
Here a guy is making a backyard pond. He used the dirt from the hole to make a waterfall, but the hole and liner part are easy to see. One interesting note is they used roofing felt under the liner to protect the liner from their rocky soil.
Backyard Pond

Here is another backyard pond they made with wood. The pics of that are on the left side, click on them to enlarge.
Wood Backyard Pond


Make it look easy,
http://zhkent.com