Abby was wearing a lime green string bikini accented with blue flowers and swirls. She was sitting in the passenger seat of my boat in the middle of the lake. We had taken my family ski-boat out for the afternoon. The blue cloudless sky had allowed the day to really heat up.
"Well, I need to tan!" Abby had proclaimed just after we had run the boat for about twenty minutes. We'd made a few passes around the lake, making sure the motor and gears were all in good working order as summer approached.
"Tan?" I teased. "You're going to burn that precious skin."
Abby had the most flawless skin, but she was still fairly pale after coming off of winter.
"Not if you help me," she added and tossed me the sunscreen. "I have to be careful, but I rarely get sunburned."
She grabbed a white towel and stood between the windshields of the boat figuring out where she could lay down.
"Tommy!" she screamed and I jumped.
"What?" I asked her, realizing I had been caught staring.
"I've been looking right at you and I said your name about five times!" she giggled.
"Sorry, " I mumbled, "Abby, I was....I mean...."
"You were what?" she said with a smile.
"I was totally checking you out, Abby, okay?" I said in frustration. "There's a gorgeous woman in a bikini standing in front of me for gosh sake!"
She gave me a quick twirl, showing off her body and grinned back at me, "You mean little ole me?"
"Yeah," I muttered, while reaching down and adjusting my hardening cock.
"Awwww," she said teasingly as she noticed the tent in my shorts, "did I do that?"
"No," I responded. "I was just thinking about that old man at the boat ramp."
"Well," she stated firmly. "I can understand that. He had a lot going for him."
She quickly jumped out of my way as I tried to swat her precious little butt. She walked through the gap of the windshields and put her towel down on the bow of the boat. I sat there admiring her body as she maneuvered around.
She finally stretched out, but in a minute asked me for her cap and sunglasses. As I stood up and handed them to her she checked out my crotch again. She smiled as she lay back down on her back.
"Tommy...Tommy..." I heard her saying softly. "I've lost you again."
"Wha?" I stammered, realizing once again I'd been staring at her bikini-clad, sensuous body.
"Why don't you just go ahead and take a picture?" she said. "That way I know I'll always be on your mind."
Picture! Well, of course I'll do that. I reached down into my dry bag and pulled out my phone. I snapped a few pictures of her as she lay there in the sunshine. My favorite was when she rose up on her elbows and gave me a smirk of a smile. I could stare at her body all day long. Now, with her permission, I'd be allowed to.
"So I guess you like the view, huh?" she said softly.
"Who wouldn't?" I replied. "There's a 3/4 naked woman on the bow of my boat!"
"3/4 naked, huh?" she said softly, teasing me.
"I guess if I pulled this string..." She said while idly toying with the side of her bikini bottoms. "or undid the back of this top....I'd be totally naked."
I stared. In my mind I could see it happening. She'd be totally nude.
"Okay," she said simply.
"Okay?" I asked back with a confused tone.
"I'm going to get naked," she stated. "But you have to really rub the lotion on me good now. You can't leave anything not protected."
"Abby, I don't think..." I said while looking around the lake. We were alone, but if anyone had binoculars they would see her.
"Too late!" she said triumphantly as she undid her bikini top and tossed it into the back of the boat.
I stared.
Breasts. Abby's breasts. Exposed in the sunlight. They were perfect. Smooth, flawless, white skin accented by light pink nipples. Nipples that were quickly stiffening under my gaze and the light breeze on the lake.
She smiled at me and then undid the ties on the sides of her hips. A quick lift upward and the material came free and was also tossed into the boat.
Naked Abby. Right in front of me. Totally naked.
My cock was incredibly hard.
"Tommy?" I heard her ask softly.
"Yeah..." I stammered, not even aware that I was rubbing my cock through my shorts.
"Will you cum on me, Tommy?" she asked sweetly.
"Oh yeah..." I replied dreamily. "Wait? What?"
"I asked if you'll put lotion on me." she replied. "What did you think I said?"
She sat up and turned to face me. Her legs were slightly parted and I could see just a hint of her pink, shaved pussy.
"It's in my bag," she replied. "It smells like coconut. Reminds me of the islands."