There has been an exponential growth in the amount of image data that is available on the World Wide Web since the early development of Internet. With such a large amount of information and image available and its usefulness, an effective image retrieval system is thus greatly needed. In this paper, we present an effective approach with both image matching and indexing techniques that improvise on existing integrated image retrieval methods. This technique follows a two-phase approach, integrating query by topic and query by example specification methods. In the first phase, The topic-based image retrieval is performed by using an improved text information retrieval (IR) technique that makes use of the structured format of HTML documents. This technique consists of a focused crawler that not only provides for the user to enter the keyword for the topic-based search but also, the scope in which the user wants to find the images. In the second phase, we use query by example specification to perform a low-level content-based image match in order to retrieve smaller and relatively closer results of the example image. From this, information related to the image feature is automatically extracted from the query image. The main objective of our approach is to develop a functional image search and indexing technique and to demonstrate that better retrieval results can be achieved.