My cousin Rachel and I grew up together. We often stayed over at each others place. One time I was staying at her place. We had just turned 13 and she was two months younger. We had gone to bed and were talking. We often slept in the same bed as teenagers do.
We were both wearing panties and a tank top. Her breasts were developing but not as big as mine. She was lying on her back and I was lying on my side. I was playing with her belly button and drawing pictures around it. I thought nothing of it and moved my fingers up and around her breasts as well. I often brushed against her nipples when I slowly drew my fingers around her breasts and I felt them get hard. Her talking had slowed down as well. I began playing with her nipples and I felt them grow very hard under my fingers. Her breathing became a little rapid and when I moved my hand back down her tummy towards her panties she stopped talking altogether.
I ran my fingers around the elastic of her panties then I slipped my hand over her panties and cupped her pussy. It was a lovely feeling. I started to slide my fingers along her slit and I could hear her breathing increase. I slipped my hand down the inside of her panties and started to run my finger around her clit. It was not long before she was moving her hips up to meet my fingers. She came very quickly.
After this I realised I was very wet. I rolled over on my back and knew that I would have to do something. Rachel rolled on her side and placed her hand on my tummy. She began to massage me and very quickly slipped her hand into my panties and rubbed me until I came. For quite a while our staying together on sleepovers was great fun.