Summer finally arrived and Judy and Ted were on their way to spend the season with their cousins again. Both were anxious to see them again as the last time was at Christmas. Judy looked to summer with mixed emotions. It was fun spending the summer at the farm, but being the only girl had its drawbacks. Still, the idea of being surrounded by boys excited her. Her experience of seeing them all in only their underwear had fueled her masturbation fantasies since Christmas. She had started to develop and her hormones were raging, although her modesty had increased also.

The first few days were spent getting settled. Judy's room now had solid walls instead of just blankets, but still lacked a door. The walls meant the boys could no longer peek into her room, but also she couldn't ease drop on the boys either. She sometimes enjoyed laying in bed and listening to the boys' conversations last summer. This year she had no idea what they were talking about.

The second week of the vacation proved unseasonably hot. Judy wished she could just walk around nude as her clothes were always wet with sweat. Of course, she didn't want to be seen nude, but it did seen cooler than being dressed. She had developed enough that she was now wearing a bra, but on this particular day, it was so hot she decided to go without one. She hoped no one would notice because she would die if they knew, but the idea of having a wet bra around her all day just seemed to be too much.

After finishing her breakfast chores, she went outside to find the others. She saw Ken and he told her that Ted and Mark had gone fishing, and David, who had a part time job, was working. The idea of spending some time with Ken alone intrigued Judy. He had always been her favorite and he had developed into a very handsome boy in her eyes. The two decided to take a walk to the old fort. They didn't really use it anymore but at least it was shaded.

They chatted about many things as they lazily walked. Both seemed happy that the closeness they shared last year was still there. Arriving at the fort, they found it just as hot as anyplace else. Granted it was shaded, but the trees blocked the light breeze making it seem hotter there than not. Seeking a cooler location, they continued walking. Judy wasn't sure where they were going but stayed with Ken trusting he knew where he was going.

After walking for a while longer, the pair approached a small stream. Ken continued walking along the stream and, to Judy's surprise, came upon a pool that had formed. Judy quickly shucked her sneakers and waded into the pool. The water was cool and refreshing. Ken also took off his shoes,  rolled his jeans up as best he could and stepped into the water. The two stood and talked for a while. Their feet were comfortable but as the heat of the day increased, sweat started pouring from them.

"We should have brought our suits so we could go swimming," Judy groaned.

"Sorry," commented Ken. "I'm so use to coming out here with the guys I didn't think. We go skinny dipping all the time out here."

"Don't other people see you?" questioned Judy.

"Na," answered Ken. "No one ever comes out here."

"Oh," acknowledged Judy. The conversation then turned to other things. The day continued to grow hotter until sweat was dripping from their chins. Judy, who had worn shorts, waded in deeper to the point her shorts were barely out of the water. Ken, who had worn jeans, couldn't follow.

"You know, if you want to take your jeans off and wade in deeper, it's OK with me," Judy stated matter of factly. She actually remembered Ken in his underwear at Christmas and the thought of seeing him again like that excited her.

Ken wanted to go swimming but was a little shy about being exposed in front of Judy. Suddenly an idea hit him. "If you want, we could both go swimming in our underwear..."

Judy pondered the suggestion for a moment and then realized she didn't have a bra on. If she had, she would have agreed but to go topless was more than she expected. "I don't know..." she stammered. She then remembered her experience with Ken last year. He had seen her completely nude. "Are you sure no one comes out here?"

"Never," Ken answered. "We live the closest and we're about two miles away. The next closest is over five miles."

Judy thought for a moment. "I'm not wearing a bra," she shyly mumbled.

"Oh," Ken mumbled disappointedly, not knowing what else to say.

Judy wanted to go swimming and cool off. Suddenly an idea struck her. "If you promise not to look at me until I get into the water, I guess we can swim in our underwear."

"Ah, OK," agreed Ken not knowing exactly what Judy had in mind.

"You go first. When you're in the water, don't turn around until I tell you to so I can get in. OK?" Judy stipulated.

Judy waded out of the water and Ken followed. Ken hesitated trying to muster the courage to take off his jeans. Judy, also a little embarrassed, turned her head away from Ken. She wanted to see him but didn't want to look. Ken finally undid his jeans and let them drop to the ground. Quickly he made his way into the water and submerged to his neck.

Judy watched the boy go into the water. As he submerged, she knew it was her turn. Shyly she hooked her thumbs into her shorts and pushed them off. She looked up at Ken. He remained still with his back to her. She felt both embarrassed and excited standing in only her white cotton panties and top. She took a deep breath and again looked at Ken. Satisfied he wasn't looking at her, she pulled her top over her head and clutched it to her chest. Her heart was pounding. No one had ever seen her chest since her tits had started to grow. Part of her wanted to redress but the water had felt so refreshing and the idea of swimming had been hers. She dropped the top and ran into the water.

Self consciousness soon left her as she frolicked in the water. She had intended to keep her tits under the water but occasionally one or both would get exposed.  Ken enjoyed the view but made no comment. Judy remained a little protective of her assets though.

After swimming for a while, Ken suggested they should get back for lunch. Judy agreed and the two got out of the water. Judy kept her arms discretely folded over her chest. Once on shore, the two couldn't help but look at each other's crotch. Judy could plainly see the outline of Ken's cock. She wanted to turn away but couldn't. She watched in fascination as the effect of the cool water wore off and the cock started to grow. It was what Ken saw that caused his reaction. The thin cotton of Judy's panties had turned almost transparent being wet. He could see the shadow of her sprouting bush. The wet material also proved to be very clingy clearly outlining her pussy lips.

Ken's growing arousal made him self conscious. "We'd better get dressed," he stammered. His words brought Judy back to the present. She looked away from Ken, dropping her eyes. A blush came over her as she realized how exposed she was. "Why don't we stand back to back," Ken suggested.

Judy didn't answer but quickly turned in an attempt to hide her apparent bush. "Are you turned around?" she asked.

"Uh huh," Ken acknowledged.

Trusting Ken and wanting to cover herself quickly, Judy quickly pushed her wet panties down. She bent and pulled one leg out. As she lifted the other, Ken also bent over bumping into her. The force knocked Judy to the ground. Ken, realizing what he had done but forgetting both he and Judy were both nude, spun around. "Sorry!" he blurted as he reached down to help the girl up. She too wasn't thinking as she took his hand and stood. The two found themselves facing each other, Ken completely nude and Judy nude except for the panties which were now bunched around her foot.

The reality of the situation escaped both of them as they stared at the nude body before them. Ken saw the flair in his previously skinny cousin. Her tits were now swollen mounds. Between her legs was a sparse patch of hair. Judy saw Ken's now much larger erection poking out from a thick thatch of hair. His balls were noticeably larger than last year.

Judy was the first to realize that she too was nude. Her arms went to her chest instinctively. "We'd better finish getting dressed," she said in a shaky voice.

"Ah, um, ya, I guess," stuttered Ken, who was now also embarrassed.

The two reluctantly turned again and dressed. Both knew they were without underwear. "Let's leave our underwear here for next time," Ken suggested.

"Where can we put them?" asked Judy. "I wouldn't want someone to find them."

"We can put them here," stated Ken as he put his under a low growing bush. He reached back and Judy gave him hers which he put in the same place. They then started back to the house.

Judy, being without panties and after seeing Ken nude again, wanted more but didn't know how to approach the subject. They walked in silence for a while before Judy offered, "I've never gone without panties. You won't tell anyone, will you?"

"No," answered Ken. Silence once again fell upon the pair. Ken, too, wanted more but, like Judy, didn't know where to start. "Sorry I knocked you down," he finally blurted.

"That's OK. I know you didn't mean it," Judy consoled.

Again they walked in silence. "Sorry I looked at you," Ken mumbled after a few minutes.

Judy blushed at first and then smiled meekly. "That's OK. I saw you too so I guess we're even."

"You're prettier this year," Ken added.

The compliment made Judy smile. She knew what he meant. It made her both happy and excited that Ken liked her body. She wanted to compliment him too but couldn't think of what to say. His cock had impressed her but she could very well tell him that. She continued to try to form some words for a while. She finally gave up trying. "It's a nice place to swim. We'll have to go there again," she finally said to break the silence.

"I'd like that. Maybe tomorrow," Ken offered.

"OK," Judy agreed. Having no panties on and knowing Ken wasn't wearing anything under his jeans had really aroused Judy. She had almost hoped he would suggest stopping at the fort. She wanted to touch his hard member but she was much too shy to suggest such a thing. She wanted to plunge her finger into her moist hole too. In her current state, she didn't even care if he watched. She desperately needed relief.

"I gotta go to the bathroom," she muttered. "Wait here for me. I'll be right back." Ken stood puzzled as the young girl disappeared into the trees.

Once safely out of sight, Judy looked around. Satisfied she was alone, she pushed her shorts down. Her hand went to her pussy. She had never been this wet. She nuzzled in close to a low branched tree to gain the most shelter. She squatted but instead of peeing, her fingers danced around her swollen pussy lips. Her finger started to lightly flick her clit. She had all she could do not to moan with pleasure as she started to build with emotion. She had never dreamed of doing anything like this before but she couldn't help herself. Her lungs filled with air and then emptied rapidly as she rubbed her sex. Quicker than she had ever done before she climaxed.

Forcing herself to quickly recover, she stood and pulled her shorts up. As she started to walk back to Ken, she realized her hand was all sticky. Unfortunately there was no place to wash so she wiped her hand on her shirt as best she could. For now, at least, she was relaxed some. She was still aroused but she'd have to wait until she went to bed tonight to finish the job properly.