At the time my cousin and I were really close and she basically lived with me. I was 16 and she was 15. Her mom was a flight attendant and would be gone for weeks at a time so she would stay at my house for long amounts of time.
It was summer so we both were home from school and my parents were at work while her mom was away on a trip. It wasn't a very warm day but we decided to go swimming in my pool even if it was only about 65 degrees out. After a while we got cold and she asked if I was ready to go inside. I said I was and we went inside.
She told me that she was cold and wanted to take a hot shower. I said that I also wanted to take one. The problem was that since I live in the country we have horrible water pressure and you can only have one shower running at a time. She said 'Lets take a shower together but leave our swimming suits on of course.' I agreed and we went upstairs to the bathroom.
We both hopped in and we were very crowded because it was a one person shower. After standing there a while I started to get a hard on because every time she moved either her hand, ass, or other random body part would rub up on my penis. Watching her wash her hair and seeing the soap run down her 34c size breasts was amazing. My cousin is about 5'4' is a brunette and weighs about 115pounds.. This to me is a perfect body.
After she washed her hair she asked me to lather up her back because it was a pain. I accepted and started to rub her back. She had one of those swimming suits with the ties on the mid back and top of the neck on. So as I was rubbing I pretended to accidently untie the neck. This made her bathing suit flop down exposing her perfect tits. At this point she covered up and I still could not see them because she was facing the other direction.
Then before I knew it she turned around and ripped my pants down to my ankles in retaliation. When she did this her hands came off her breasts which exposed them to me for the first time. I then immediately pulled her bottoms down as fast as lightning so we were both standing there completely naked.
We stood looking at each other for a moment then she said 'well someone is excited.' I said 'of course I am'. We then decided it would be fun if we lathered each other up. So we did and it was so amazing feeling her breasts while she rubbed my cock. We were both so slippery and wet that we hugged each other and rub up against one another. After a little bit she started to jack me off while I stood under the shower head. She started pumping faster and faster till I exploded with cum. She rinsed off and then said 'your turn to do me'. I agreed and we both got close together and while both of us were standing I reached down and slipped two of my fingers into her shaven wet pussy. I then picked her up and brought her into my room and we laid on my floor naked and wet. I continued to finger her and then she started moaning and screaming so loud that I thought my neighbors who lived 12 acres away would hear. She then orgasmed and we laid there for a bit both of us just dazed.
We both went back to the bathroom and dried up. We agreed that it would be fun if we stayed naked together until my mom got home. Both of us did and now every time we are at each other's houses alone (which is a lot) we strip and do everything naked.
In a year when I graduate we are going to move into an apartment together while I go to college and she finishes high school. Even though she has a boyfriend he will not live there and we can be nude at almost all times. That will be sweet.