Chapter 1

"Man, I can see everything she's got!" Jim stared across his desk at the Granger State Bank. The discreet sign on his desk read "James O. Carroll, Vice President." From where he was sitting he could see directly up between little Ginnie Reordon's creamy white thighs. She was a small girl, but built with an almost diabolical precision that insured a second look from any red-blooded male in her vicinity. Jim found it hard to believe that the girl was only 17, she seemed so mature for her years... not only physically but mentally. He had heard that Ginnie cultivated people older than she, completely ignoring most of her classmates at Granger High.

The young girl shifted languidly on the chair across from Jim Carroll's desk. Her long legs separated just the slightest bit again, and Jim felt tiny beads of sweat break out on his forehead as the tight "vee" of her tight little rose-colored panties came into view. His eyes and mind riveted to the spot, that tender portion of the young girl's being that she seemed to be offering to him with such nonchalance. He could almost swear that a few reddish tendrils of hair were visible, peeking from the elasticized sides of Ginnie's panties, but Jim couldn't tell if it was just his imagination or not. He cleared his throat and lifted his eyes up to the pert, innocent looking face, with its sprinkling of light freckles across Ginnie's upturned nose. He used his best business tone, and his eyes did their best not to waver in the slightest from the young girl's frank, almost impertinent, gaze.

"Now, Ginnie... what is it that you want to discuss about your account this time?"

"Well, they told me again that I'd have to see an officer about this... you see I have this big check coming in... for $25, and I'm not getting the money from my father until tomorrow because his paycheck came late this week... and, you see, I was practically sure that I could deposit it in time..."

Jim's eyes swept over the tightly pulled wool sweater that hugged Ginnie's full, soft breasts, showing the round coin-shaped swellings of her nipples in disturbing detail. He wondered how those two babies would feel in his hands.

"This is the third time this month that you've done something like this, Ginnie... I can't continue to make special rules for you... after all..." Jim heard his own voice droning on and on, but he really wasn't thinking about what he was saying, his mind seemed fogged with a dull kind of longing, and once more he cast a glance between those lithe and lovely legs that Ginnie Reordon parted further still while he was speaking.

"But it's for my little brother's birthday present... I mean, that's what the check was for... and if it bounces, I'm afraid that..."

"Well, Ginnie... that's unfortunate, but if the check comes in I'm afraid we'll have to return it. We've already paid on two other checks of yours, and the bank can't continue..."

"You said that already, Mr. Carroll," Ginnie said, sweetly smiling up at him. She rose and moved closer to his desk.

Jim made an imperceptible move backward in his rolling chair. Christ, what was she going to do now? He looked frantically toward the door of his office and was glad to see it was closed. It wouldn't do to have any of the employees seeing this young girl getting so familiar.

Ginnie's flowery perfume drifted across the desk to him, and Jim realized that she was moving around toward him just a few seconds too late. Or had he really wanted to stop her?... he was to wonder many months later. Already the girl's neatly manicured fingernails were touching lightly at his face, her soft, pink lips approaching his face for a pouty kiss, her auburn hair falling across his eyes, as her tiny pointed tongue emerged from between her wetly parted lips.

Jim thought of his wife, Kay... Kay at home... what was she doing now... vacuuming the house? getting ready to make his dinner for that night? He visualized his wife... her back turned to him as she stirred something at the stove. There was no neglect there... she certainly took good care of his stomach... but as for the rest... Already his big, semi-hardened penis was stirring ominously between his legs like some enormous sleeping monster, being awakened by a beautiful princess... but the princess wasn't his wife Kay... It was little Ginnie Reordon! He could feel the blood racing through his veins, rushing down to his meaty member, filling it to hardness, making it jump alert as Ginnie's tongue swept wetly across his own startled mouth. Was he really going to let her do this... was he going to stop it or not?

The young girl's softness was enveloping him, and beneath that softness there was a determination that Jim didn't have the strength or will to combat. The electricity of her lips and tongue, swirling moistly in his mouth sent chills up and down his spine. Awkwardly at first-for he was tilted backward in his chair, and she was pressing-her lips down upon his-he thrust his tongue back at her, slipping it into the hot cavern of her mouth as he quickly grasped her head from the back with one hand. He ground his lips harshly against hers, regulating the pressure with his hand on her head, and felt a thrill of satisfaction as Ginnie gasped for breath and tried to control the kiss herself. But Jim made sure that this was impossible. This was what she'd wanted... and now this was what she was going to get. There was only so much a man could take! With his knee he pressed a button beneath his desk which locked the door to his office. Perhaps he could have at least 5 minutes with her without being disturbed by some bank business or other. He had a mortgage closing at 2:30, but it was only 2:00 now... plenty of time.

Jim's hands closed around Ginnie's small waist, he pulled her between his legs and crushed her willing little body down toward him without breaking the force of the kiss. He marveled at the idea of what he was doing... it was the first time really in the two years he'd been married to Kay... The thought of his wife sent a small pang of guilt through him as he reveled in the luxurious feel of Ginnie's gently rounded breasts pressing against his chest. God she felt good! And her mouth tasted ripe and sweet as raspberries! His head whirled as he felt her slipping down to her knees between his legs, her upper thighs and then her soft little belly passing over the big, rock-hard mass of his penis where it throbbed in heightened anticipation of what might happen next.

"Damn it to hell!" he thought, "It's Kay's own fault anyway... a man has to have some sex... a man can't go on forever..." But his thoughts drifted away as he was caught up in the hasty excitement of the moment. Behind his desk, Jim bent toward Ginnie, his lips leaving her mouth to trail wetly to her neck. He heard her giggling like a teenager, like the teenager she was, and the sound of it was oddly exciting to him. His hands rose slowly from her waist, taking in the area of her rib cage. She was breathing hard, and squirming within the circle of his hands and arms. He could almost taste those bird-like breasts before he touched them, and he discovered that his saliva had accumulated in his mouth as he slid his thumbs upward, pressing them against the thick protruding nipples, feeling them push inward, and spring to hardness beneath his touch.

"Hoooo... oooooh!" Ginnie closed her eyes and let her head loll backward as Jim began to manipulate the softly jiggling mounds of her willingly offered breasts. Her eyes were mere slits of passion as she moved her chest back and forth in lewd encouragement as Jim's hands roved hungrily over the voluptuous swellings of her breasts. His hands slid down once more and, hurriedly, he slipped them under the material of Ginnie's sweater... the creamy masses of naked flesh fell into his hands beneath her clothing, warm and smooth and tender. He clasped them excitedly in his two hands, kneading the twin buttons of her nipples together and bringing low moans of delight to the teenager's lips. His own face was a mask of longing as he was enjoying the sensation coursing through him, enjoying the sensuous feel of her naked young flesh. His lips tense and drawn, he said to her, "Tell me what you want... what do you want, Ginnie?"

"I... Ooooh... Mr. Carroll... !" Ginnie writhed slowly between Jim's scissoring legs, swaying back and forth on her knees as Jim applied steady pressure to her breasts that made her feel tingly all over with excitement.

"I... I... want to be friends!"

"Friends!" Jim spat out, outraged at the word in the young girl's mouth. His mind snapped back to the night that he'd listened to the word on his wife's lips... their wedding night... practically the last time he'd touched her... really touched her! Since then, their lovemaking had been confined to occasional quick hops atop her... when she would allow that!

He thought back... back to his wedding night...

"I... I want you to treat me like... like a friend, Jim... not like some... some cheap little whore that you picked up!" Kay Carroll lay naked and trembling beneath the sheet of their marital bed. Tears streamed down her face, and Jim shook with anger as he listened to her and watched her solemn face. It was certainly a far cry from what he had expected his wedding night to be! Perhaps he had been a little rough... but Christ, she'd been lying there in the flimsy negligee and he'd come into the room from the bathroom and seen the naked hair-lined split between her legs right through the transparent material. He had to do something fast before the heavenly vision of her disappeared. So... he hadn't waited or led up to it with a lot of foreplay like all those sex magazine and articles were always talking about... Christ! He'd been waiting for her for so long that he just couldn't take the strain of seeing her almost too perfect body lying there just waiting for him to make love to it! The idea that she was legally his and that he had every right to touch her after all those frustrating months of dating had driven him out of his mind, and he had been certain that she, too, would respond in kind once the proverbial knot was tied. Little had he dreamed it would turn out to be such a disappointment... for both of them, for Jim knew that his wife was still bitter about that first night! And it had, in fact, ruined their entire sex life to this very moment!

His moment when he was pawing the delicious breasts of the little number in front of him... and he'd do a helluva more than that too, before he was through with Ginnie Reordon!

"I... I... mean... I really dig you Mr. Carroll... I have ever since you came over to the house that day to borrow my daddy's snow-plow that time we had the big storm last winter!"

Kay, too, had really liked him from the first time she'd laid eyes on him, or so she'd told him, and it had been mutual. He'd known right away that Kay was the kind of girl he could marry. Then, she'd been just slightly older than little Ginnie, and he'd just gotten to go ahead at the bank, knowing that he could go far there and make a real career for himself in the small town. It had been perfect, until their wedding night. He could still remember seeing her lying there on the bed from his position in the doorway. He had only seen her before in a bathing suit... a bikini at that, but nothing compared to the beautiful clarity of her nakedness beneath the thin material of her gown...

"You... you're hurting me... Mr. Carroll... my breasts!" But Ginnie seemed to be liking it anyway, and Jim suddenly lifted the young girl up from her kneeling position, then returned his hands to her breasts and pressed his face between the warm curvaceous globes of creamy flesh.

His tongue snaked out, and he began to lick the fat, little protrusions of Ginnie's nipples, and then he sucked the dark, rosy warm flesh into his mouth, alternating between the two large buds and creating loud, wet noises that exploded throughout his sedately decorated bank office. Her small trembling body ground against his, and he closed his legs to squeeze her closer to his impatiently pulsating cock...

It had been a little like that with Kay when he first saw her tiny rising nipples and the soft triangle of her blonde pubic hair nestling so snugly down between her white thighs. And no one had ever touched her before! He could remember her Mona Lisa-like smile... that seemed to taunt him and urge him on... an open invitation. "Come and get me... I'm yours!" she'd seemed to be saying, and he had lunged forward, just reached out for her, with a low moan that escaped his throat in spite of himself. Without even taking off his pajamas he'd ripped away her expensive bridal negligee and had almost gone mad with the sight of her nakedly trembling beneath it. Greedily he had run his hands over her lush contours, feeling her resistance, but unable to stop himself as he kneaded the soft, ripe succulence of her breasts almost as cruelly as he now bit and sucked at little Ginnie Reordon's. He'd heard her crying out, calling his name over and over again, horror in her voice as he handled her roughly, ignoring her pleas. Before he took her he wanted to do just one thing-pay homage to her pussy by kissing it-and Kay had seemed to sense what he was after, pulling at his hair and holding his head up each time he tried to move it down along the squirming surface of her virginal belly.

"Oh... I can't stand it any more. Mr. Carroll... Let me feel your cock!"

The lewd words in Ginnie Reordon's mouth brought Jim rudely back to the present, and to his delight, he felt her quick, deft fingers working at his fly, pulling the zipper down and releasing the hardness of his massive beet-red prick. Ginnie's fingers closed around the blood-filled rod of flesh, and Jim gasped with pleasure as the young girl expertly pulled down on the thickness of the foreskin, releasing the sensitive surface of his cock-head to the cool air of the bank. "That's it!" he cried, "That's it!" He suddenly knew what he would do with this little creature who had tormented him so many times by coming to his office with all kinds of stories. His face flushed as he felt her manipulating his cock as though she did it every day. This girl had experience, he told himself, and he was going to get the benefit of some of it!

Jim brought his hands down to her thighs and began to bunch the material of her tight little skirt upward, letting it rise until he had reached her sleek upper thighs which were nakedly warm to the touch. She wore calf high socks, and there was nothing else but smooth skin... until the little panties that Jim sought out eagerly. His fingers were moving, inching forward, then hesitating, as if he did not want to find what he knew was there. A tight little seventeen year-old pussy just waiting for his fingers! He found the tight elastic leg band just at the smoothest, most secret area of her inner thigh and wormed his outstretched middle finger up underneath it. The thin material of Ginnie's panties was already soaking wet, and the heat of her inner "vee" warmed his invading finger as it inched upward to touch the first, softly curling pubic hairs. She squirmed eagerly around, and his finger came into sudden contact with the long split that separated the small, puffy hair-covered lips of her blushing young cunt.