This happened a few years ago. I was on the Amtrac train coming home from a business meeting in D.C. It was the last train of the day and it was already dark outside. After a very long day, I was pretty tired. I couldn't wait to get home to see my husband and our dogs (we hadn't had kids yet). I was in the next to last car of the train and had a seat to myself. The car had been noisy for a while but at each stop, people got off until there were only a few of us left. Across the aisle, a group of guys, who sure seemed to be gay, had finally broken up. They were all touchy-feely with each other and made suggestive comments that certainly activated my 'gay-dar'. Eventually, all but one of the men got off the train. The young man was in the seat directly across the aisle from me. There were only a few other people and they were up in the front of the car, asleep or quietly reading.
I was reading a book. At some point, I looked up and looked around. The guy across the aisle seemed to look up at the same time and he smiled at me. I smiled back. We were both sitting on paired seats, where two bench seats faced each other. We were facing in opposite directions, so we could look directly at each other. I noticed that he had his eyes closed and was absent-mindedly rubbing his crotch with his hand. I should have given him a dirty look and gone back to reading, but I didn't. He had a nice smile and seemed like a nice young guy, again probably gay. He did open his eyes and see me and when I just watched him, he was initially embarrassed, but then continued to rub himself. I smiled at him, which obviously encouraged him. I must've moved my legs and put my hand on my thigh subconsciously, which seemed to encourage him further.
I was horny, and seeing an attractive guy fooling with himself was kind-of erotic. The fact that he was gay removed any danger of him being an over-sexed hetero-creep. I knew a number of gay guys in school and at work and found them to be charming and funny. I began to rub my legs, moving my hands over my thighs. We just looked at each other, without smiling or anything, but we had made a connection.
Well, he kept at it, becoming more brazen, rubbing his inner thighs and revealing the outline of his erection under his trousers. It was gross, but I was amused and wanted to see how much this guy would do. When I kept looking, he smiled and continued to stroke himself. He seemed friendly. He looked at my eyes, then down at my waist indicating that he wanted me to become bolder.
I had nothing else to do. I'm not sure why, but I lifted my skirt up and showed him my pantyhose. I looked at him in a way that was daring him to 'up the ante'.
He moved his hand to where it was directly over his penis and continued to rub himself. My hands moved higher on my legs and up my thighs, exposing my panty-hose almost to my crotch. This was getting erotic.
There was nobody else on the train and I had nothing better to do, so I continued to play-along. I had done something like this with my husband when we were first dating and the fond memory of that time must've subconsciously prompted me to continue.
The young man smiled, unzipped his fly and rubbed himself through his jockey shorts. I couldn't see his prick, but he definitely had his hand over it. He smiled, laughed a bit and nodded toward me. I turned and put one foot on the seat to open my legs and give him a direct view of my crotch. I rubbed my hand over my pussy, stroking myself like he was.
We continued for a few moments and then he unbuttoned his pants. When he reached into his underwear, I could see that his hand was gripping his penis. He was rubbing himself while looking at me with desire in his expression. It was strangely arousing to see this young man masturbating himself, apparently having an erection due to my presence. I was tempted to continue.
It was my turn again. I got bolder. I reached up to the top of my pantyhose and slid my hand down inside my panties, touching the smooth flesh of my pussy. My fingers rubbed between my labia, touching my clitoris while staring at the young man across the aisle. He still had his hand in his pants and was continuing to pump his dick. My fingers slid along the juicy folds of my slit. I was wet from arousal and my finger touching my intimate anatomy felt very good.
He looked around to ensure the car was deserted. Then, he undid his fly and pulled his erect penis out of his pants. I was a little shocked when I saw his cock. It was nice and hard; nice and big. He rubbed it for me, pointing the tip in my direction. I could see precum wetting his hand and the little hole at the tip of his prick.
I was caught up in our 'game', so I reached under my skirt and pulled my pantyhose down my legs and off. He continued to rub himself while I pulled my hose down one leg, then the other. I set them on the seat across from me. It felt good to get the tight pantyhose off after a long day. I opened my legs quickly, flashed my panties, and then closed my legs again. The guy across the aisle smiled and continued to rub his cock. It definitely was fully erect.
After a moment, I resumed rubbing my pussy, this time through my cotton bikini panties. I was getting wetter down there and was breathing more heavily. My fingers stimulated my clitoris.
The realization of what a naughty thing I was doing flashed through my mind, but I was in a devilish mood and enjoyed the risk involved in exposing myself in such a public place and to a stranger. I'm a bit of an exhibitionist. My husband has dared me to go topless or even get naked in places where I might get caught and I've found doing as he asked to be extremely stimulating.
My paramour looked at me again and he raised his shirt, showing me his bare chest. He was reasonably attractive, but nothing special. His tits were mere nubs on his flat breast. Nothing to see there, but he nodded to me. So again, I responded. I unhooked and took off my bra, pulling it through the arm-holes of my short-sleeved blouse, while I watched him rub his cock. Then, as I undid one button after another, he would sigh and rub his hands over his chest. When the last button was undone, I spread the blouse open and showed him my tits. My nipples were hard. I rubbed my hands over them. I was a combination of amused and excited. I nodded back at him.