I'm not an expert by any means, but just using my limited knowledge and deductive reasoning..
The mortar like pit CAN be produced naturally in a creek in the right circumstances. Usually (I imagine) a rock can get set into a shallow running part of a creek or river and a small pebble falls into a small fissure in the rock. The running water causes the pebble and future pebbles to move in a circular motion, slowly eroding a pit. I know that occurs.
However, the smoothing of ALL edges of your find confuses me. For yours to have occurred naturally, it would have had to have formed the pit first, then at some point the larger stone broke off somehow from a larger stone and then was creek worn over the many many many years.
Iono. Just an educated but uninformed opinion.