Sarah was the daughter of Judy. She had just celebrated her twelfth birthday. Being an only child, she was a little lonely at times but she had many friends. Her best friend, Meg, lived just next door so the two were almost always together. They lived in a quiet suburban neighborhood. Her father had a good job but it did require some traveling. Her mother also worked so Sarah was home every afternoon after school by herself until supper time. Up until this year, Sarah had been enrolled in an after school program but she hated it and her parents finally relented and let her stay by herself for the few hours until her mother came home.

Usually Sarah would go to Meg's house but on Tuesdays Meg had an after school activity so Sarah would just hang around her own house. Being alone, she would do her chores then try to get her homework done before her parents came home. If she succeeded, they would always go out to eat as a treat. They went to nice places so Sarah would always shower and change to be ready.

About once a month, the family would go visit her Uncle Ken's farm. Sarah always liked it there. Her Uncle Ken had inherited the farm from his parents when they had died in a car accident.

Her Uncle Ken had two brothers. Uncle Mike lived on the opposite side of the country so she hardly ever saw him. Her Uncle David lived nearby so she saw him a lot. She really didn't like him much though. He was always yelling and complaining about something. He did have a son, Dave, though, who Sarah had always seemed to have a special bond with.

Ever since they had been babies, Sarah and Dave had seemed close. At family get togethers the two would manage to find each other and spend the entire day together. Uncle Ken had four kids of his own, one older than Sarah, one her age, and two younger, and her mother's brother, Uncle Ted, had five kids ranging in age from two years older to five years younger. With so many so close in age, it was surprising Sarah and Dave seemed to stay together instead of with one of the cousins of the same sex but they did.

Dave's mother had been killed in the same accident that his father's and Ken's parents had been killed in so he too was home alone. Unfortunately when his father came home, it was not the same happy family as Sarah's was. David would always find the things Dave hadn't done and begin yelling. The transition to a one parent household never really took place. David couldn't seem to provide the environment necessary for a happy home.

After much discussion it was decided that Dave would go to live with Judy and her family. All seemed quite happy with the idea and Dave seemed to blend right in. At first things were a little tense but soon comforting routines settled in. Dave became involved in after school sports.

Monday was just like it had been for Sarah. She had spent the afternoon with Meg. Dave was at his sports activities and wasn't home until Sarah's parents came home. Judy would pick him up from school on her way home.

On Tuesday, Sarah came home after school. It was the day when Meg was not around. For a change, Sarah didn't have any homework that day. Knowing she would be going out that night, she decided to take her shower and change so she would be ready.

Sarah was accustomed to being alone in the afternoons. Even though Dave had moved in with them, with his sports, she was still alone in the afternoon. As was her custom, she locked the door, went to her room, grabbed clean underwear, and headed for the shower. She didn't bother with any other clothing. No one would be home until later anyway.

After her shower, Sarah dried off and put her panties on. She lingered for a bit in front of the mirror. She studied her body trying to determine if her tits had grown any since she last looked. Although by "woman" standard, she wasn't very developed, by the standards of her age, she was. She had already graduated from a training bra into an A cup. Where some girls her age were still hairless, Sarah had a small but dark thatch of hair between her legs. Her mother had begun to get her some nice panties instead of the plain white cotton ones. The pair she had on although not really sheer, were sheer enough to show a dark shadow where her pussy hair was. She liked the look because it made her feel grown up and sexy.

Sarah remembered Dave and her Mom would be home soon. She had forgotten about the time until that moment. Not wanting to be caught wearing a towel, or worse yet in just her panties, Sarah flung the bathroom door open rushing to her room. In her haste, she hadn't noticed Dave walking down the hallway and ran right into him.

The two tumbled to the floor. Sarah let out a screech. Quickly she stood and tried to cover her breasts with her hands in panic. She was frozen in shock for a moment, and then ran into her room. She cursed herself for being so dumb. Why hadn't she covered herself with a towel? Dave had caught her in just panties. She had never been so embarrassed.

Eventually she calmed herself enough to put on a dress before panic set in again. What would her parents think if they knew she walked around the house almost nude? She had to get to Dave and make him promise not to tell!

Sarah headed to Dave's room. She knocked and asked if she could come in. A frightened voice answered yes. Sarah walked in and even at her young age she could tell Dave was visible shaken. Immediately he began to apologize, confessing he knew he was in big trouble. His game had been cancelled so he had walked home.

After a short discussion, both relaxed and agreed it was just an accident to be forgotten about. Neither brought it up over the next few weeks but a boy Dave's age doesn't forget seeing a bare breasted girl with only panties on.

Sarah too couldn't forget it. The initial embarrassment she had felt faded quickly but it was replaced by a feeling completely different. The memory of it was exciting to her. She had even begun to masturbate to fantasies of striping for boys, which was something she'd never do but the thoughts did excite her. During one of their many conversations about boys, Sarah even admitted to Meg that she had been "caught" by Dave.

Meg had been attracted to Dave for a while. The idea he had seen Sarah almost nude made her feel strange. As they talked about the incident, Meg began to imagine herself being caught. Of course she would never tell Sarah that. Her outward reaction was one of disbelief. Sarah naturally swore it was true and even went so far as to blushingly tell her friend it wasn't as bad as she had expected.

After talking for about an hour, both girls were a little aroused. Meg finally challenged Sarah to prove she'd been "caught" by Dave in just her panties. Sarah questioned how she could prove such a thing. With a big grin, Meg dared Sarah to let Dave catch her again. Sarah had refused at first explaining there was no way such an "accident" could happen again. Meg, being excited by Sarah's pending exposure, began to come up with ideas.

At first Sarah rejected everything but then Meg pulled the trump card. "Are you chicken or something? I dare you!" Sarah now felt trapped. Secretly she would be fulfilling a fantasy though. It was agreed that the following afternoon, Sarah would flash Dave. His game had been cancelled so he would be home. The girls would rush to be there before him. Sarah was to pretend to be changing but would leave her door open. Sarah had stipulated she would have her back to the door but would be only in her panties. She confessed to hoping Dave would just walk by and not look into her room and made Meg agree if that was the case, she would have met the challenge anyway.

With an agreement made, Meg left anxious for the next day to arrive. Sarah was a little less enthusiastic but secretly found the idea a little exciting. That night she masturbated to her striper fantasy but tomorrow would be for real.