I was 14 when this all happened.
I was spending the night at my friend's house. Me and her had shared 'encounters' before---as in making out at parties during truth or dare---silly stuff like that. One night we decided it would be kind of fun to watch pornos for a bit. After an hour or so I was REALLY turned on from watching people getting it on. So I went to the bathroom for a bit and rubbed myself, but didn't climax. So, I went back out to my friend and she suggested going to bed. I agreed and we got changed and hopped into bed.
We lay there for a good 2 hours talking about different things---me telling her all about making a guy cum---she was giggling the entire time.
Finally she goes, 'Can I play with your chest?'
I hesitated, then said, 'Yah, okay,' and she began rubbing my tits and feeling my hard nipples. This was getting me VERY horny. I wanted to cum SO bad. And just as I thought this teasing would never end, she slipped her hands into my pants and slowly rubbed my clit. Then she slipped her fingers into my slit and back to my clit. As her fingers swirled around and around, I started breathing heavily and moaning. Finally I was at the point where I couldn't last any longer. I arched my back and let out a moan that her brother (whose room is above us) HAD to have heard and had one of my best orgasms yet.
Me and her have been closer than ever since then, but nothing further has happened.