When I was 16 I was dating a cute little red head with small B cup tits and nice, curvy hips, also 16 years old. We had been fooling around for a while but hadn't had sex yet. She was pretty orgasmic and came pretty easily from fingering. She wasn't the best at making me cum, but not bad.
We went to the same church and one Friday night the youth group had a lock-in where we all spent the night inside the church together playing games, eating, and eventually falling asleep. Sometime after midnight Ashley (not her real name) and I found an empty room used for Sunday school and took a blanket in with us to lay down. We were tired, but we were also horny. We lay down and pulled the blanket over us. It was Winter and we were both wearing jeans and she had on a sweater and I had a long sleeve t-shirt. We had the lights off but the door was cracked open (rules) so there was a little bit of light. We lay on our sides facing each other and began kissing. I slid my right hand up under her sweater and began rubbing and squeezing her tits and pinching her nipples under her bra. She rubbed the palm of her hand over my jeans, massaging my hard cock. We had to be quiet to keep any of the adults from finding us.
I then reached down and unbuttoned and unzipped her jeans and reached my hand down her panties and began playing with her wet pussy. She pushed her jeans down and inch or two, just enough room so I could reach down far enough to finger her. First one finger, then two, I began sliding them in and out of her wet pussy while we kissed. In a minute or two her breathing got heavy, she choked back a moan, grabbed my wrist to stop it moving and squeezed her thighs hard against my hand as she started cumming, her thighs squeezing in rythym with her orgasm contractions. She had to cover her mouth with her free hand to not make any more noise.
I was in desperate need of my own release now and I rolled over so that I was facing away from her. She scooted closer, reached over my hips, unbuttoned and unzipped my jeans, reached into my boxers, and pulled out my rock hard penis. She began slowly stroking it, using mostly only wrist movements to keep the visible motion down in case someone peeked in the door. It was slow and agonizing because I wanted it faster, but we had to be careful. Finally after a few minutes I was getting close. I reached in my jeans pocket and grabbed the napkin I had brought along for just this purpose and told her I was about to cum. She sped up just a little bit but it was enough. My muscles tightened in my legs and crotch and the first shot squirted out into the napkin as I held it in my hand against my head to keep it from getting on the floor. Another spurt and the cum was soaking through the napkin onto my hand. I finished up with another three or four squirts until there was quite a puddle in my hand that the napkin couldn't soak up. I got as much of it up as I could with the napkin then just wiped my hand on my jeans-oh well. We both zipped up, snuggled together, and fell asleep in each others arms-nobody else any wiser that we had just masturbated each other inside the church!