Note: This story was dynamically reformatted for online reading convenience. For the next few days I kept myself to myself a bit, not really sure how to act around Ruth or her Mother. Whenever I did see Ruth she would turn bright red, cast her eyes down and mumble an embarrassed hello. Over time however, things started to return to normal and my relationship with Ruth got back to its normal chatty self. If anything I think Ruth's crush on me had deepened, and I caught her looking at me with cow eyes more and more. One evening we had what seemed at the time as a fairly strange conversation. "Erm, Mathew" she said nervously "Yes?" "Do you think I'm pretty" she blushed. "Of course I do, I'm sure the boys are lining up to ask you out" "Yeah, I wish!. Well, the other night when Mom sp...spanked me" she stammered nervously "Yes", I said, my cock immediately rising "Well, this is so embarrassing, but that was the first time a boy had ever seen me, I mean, seen me with no knickers on. Did I look, you know, nice?". This was not what I was expecting, and I knew how hard it was for Ruth to even talk about the subject. "Yes, you looked nice Ruth, don't worry, you have a fantastic body" With that Ruth quickly kissed my cheek and ran upstairs. I sat there, slightly surprised and aroused by the unexpected physical contact, then got on with watching TV. That evening Ruth's Mother was working late, so we had the house to ourselves. I heard the sound of the shower going which was not unusual for Ruth in the evening, but when she came down my eyes almost popped out of my head. She had on a pair of baggy pajama bottoms, but my eyes were immediately drawn to her top. She was wearing an old white T-Shirt, which was pretty thin, but was clearly not wearing anything at all underneath. Now her breasts were clearly tiny, but I could make out practically their entire detail, their small almost conical shape topped with small hard nipples jiggled slightly as she walked towards the couch. I quickly averted my eyes and blushed red, though she had caught my look and seemed pleased with my embarrassment and attention. She sat down next to me, almost nestling up to me. My erection was hard and uncomfortable as we just watched TV in silence for a couple of minutes. The situation quickly changed when we heard the door shut, indicating that Mrs Johnson had come home early. A look of panic crossed Ruth's face as she jumped up and said that she had to do something upstairs. There was no way that she could have avoided passing her Mother, and as their paths crossed I could clearly hear their conversation. After saying hello Mrs Johnson must have immediately noticed the state of her daughters clothing. "Just what the HELL do you think you are wearing? Don't tell me you've been dressed like that in front of Mathew?" "Mom, I just forgot to put a bra on, that's all" "Like hell you did you little slut! You are deliberately showing yourself off to the lodger aren't you!" "Mommy, please, I didn't, I'm sorry!" With that the door swung open and Mrs Johnson pushed her daughter into the lounge. "Right, I'm sorry Mathew but it would appear that Ruth has been showing off again and needs to be punished" Abject horror again appeared on Ruth's face, and my cock rose immediately at the prospect of another show. "Mommy, no, please no!" cried Ruth "If you like to show off, well I think you should do it properly don't you? Take off your top" I couldn't believe what was happening, I was about to see Ruth COMPLETELY NAKED! "Oh God! NO!, please, please Mommy no!" Do it, or I get the cane. Trembling, Ruth turned her back to us and removed her T Shirt. "Now your pajama bottoms and knickers" "But Mommy, I'll be naked! You can't make me do this" "NOW" was all her Mother said in a cold voice. I could see the fire of excitement clearly in Mrs Johnson's eyes. "Turn around" Ruth turned around with one arm across her small breasts, and the other hand desperately trying to cover her crotch from my view. "put your hands by your side" Openly crying Ruth did as she was told exposing her entire naked body to me, and boy what a sight that was. Her breasts were tiny but they drove me crazy at the sight of them, pale white cones topped with light pink nipples suddenly exposed to a set of male eyes for probably the 1st time ever. Every instinct in me wanted to cup and caress them. She had a slight belly, soft and feminine looking, and as my eyes traveled down to her lightly covered pussy framed by lily white thighs I thought I would explode. As her mother continued to lecture her, I made eye contact with Ruth but couldn't help but continue to drink up the sight of her pale naked body so shockingly exposed in front of me. She looked at me, then at the bulge in my crotch. I honestly don't know what she was thinking but was so aroused that I was passed caring. As before, her mother then placed a chair in front of me, bent Ruth over her knees and spanked her naked daughters buttocks very very hard. "I'll teach you to show off!" SPANK! SPANK! SPANK! "Little slut!" SPANK! SPANK! SPANK! Each spank sent shock waves through Ruth's plump thighs, and as she squirmed under the raining blows her legs parted ever so slightly exposing her most private parts to me. I was having trouble containing myself by the time Mrs Johnson had decided that Ruth had had enough, and was then almost pushed over the edge when just like last time she was made to stand in front of me, put her hands on her head and apologize. "I'm sorry for showing off Mathew" she said in a trembling voice. Again, my eyes took in her entire nude young body, her tiny soft breasts, the slit of her pussy barely covered by its wispy hairs. Finally we made eye contact , and she looked directly at me with a kind of knowing glance as she stood up even straighter, then seemed to thrust her chest out as if inviting me to look more. "OK Ruth, upstairs for an hour, and don't even think about coming down before then" said her Mother. Ruth left, and I couldn't help glance at her naked bright red buttocks as she left the room. "I'm sorry about that" said Mrs Johnson "That's OK", I croaked as I headed upstairs for some privacy. Over the next few weeks I couldn't help thinking about the incredible scenes that I had been witness to, and whenever I spoke to Ruth there was an undeniable tension between us that I felt had to break somehow. Whenever the three of us were in the house together I was desperate for Ruth to do something wrong and be spanked again, but alas it just didn't seem like it was ever going to happen. One evening however, Mrs Johnson called me into the kitchen to ask a favor of me. "Mathew, I was wondering, I need to go away on business for the weekend but aren't happy leaving Ruth on her own. If I let you off a weeks rent would you babysit her for me?" "Erm, OK sure" I replied, though Ruth was clearly too old to require a babysitter so I thought the request a little odd. "I wouldn't ask, but she has been such a handful recently I think she would respond to a firm hand" With that Mrs Johnson summoned Ruth into the kitchen and began explaining what she had just told me. "But Mom, I'm too old for a babysitter! That's ridiculous!" "No you are not young lady!" She then paused as if making her mind up about something "In fact, just to prove it, if you do anything, and I MEAN ANYTHING wrong, I have given Mathew full authority to spank you in any way he sees fit" Wow, was all I could think as the implications hit home. "Mom! Please! You can't be serious!" "I am totally serious, Mathew has seen exactly how I punish you and I will expect him to do the same" Ruth was flushed with embarrassment as she resigned herself to her sentence, not wishing to provoke her Mother into doing something to prove the point. The days passed slowly, and then finally it was time for Mrs Johnson to go away. I have to admit I was pretty nervous as she kissed Ruth goodbye on the Friday evening and reminded her to be good. The last thing I wanted was for Ruth to be good! I was desperately hoping that she would do something that would warrant a spanking, but couldn't just make something up. I liked Ruth and didn't want to mistreat her, however on the other hand the sight of her naked body over her Mother's knees seemed to be burned into my mind and left me unable to think straight. It was to say the least a very conflicting set of emotions. As things turned out, I needn't have worried. Ruth told me that she was going for her evening shower, and I went into the lounge and flopped down on the couch to watch some TV. After 25 minutes or so, Ruth came into the lounge, and the first thing that I noticed was that she was wearing the exactly the same outfit as she had on the last time she was spanked. The T Shirt again clung to her tiny breasts and my eyes were immediately drawn to them. It was pretty obvious that she was trying to get my attention, and she gave me a slightly embarrassed smile and sat down next to me. As we sat there in silence she took hold of my arm, placed it over her shoulders and snuggled up to me. My hand was tantalizingly close to one of her thinly covered breasts, and as she laughed at the program we were watching I couldn't help but snatch quick glances as they jiggled up and down. Ruth then unexpectedly got up, went into the kitchen, then came back with a glass of whiskey! "Erm Ruth, I don't think you should have that do you?" "Why not?" replied Ruth in a confrontational tone "Because your not old enough and your Mother will notice, come on, put it back" "Oh yeah, are you going to make me?" Unbelievable she was goading me! I put on my sternest of voices. "Come on Ruth, I'm in charge here, you know what your Mother told me to do if you didn't behave" "You wouldn't dare!" she replied, face flushed with what I initially thought was embarrassment but came later to realize was excitement. "OK, last chance put it back in the kitchen NOW, or I spank you" "Don't care" replied Ruth in a trembling excited voice. I decided to lay out exactly what I was going to do. "If you don't put it back in 5 seconds, I am going to spank you EXACTLY like you Mother did last time, do you understand?" "Still don't care" replied Ruth again in a trembling voice, trying to sound defiant but coming across as nervous and uncertain of whether she should be playing this particular game with me. I got up, took the glass from her and placed it on the coffee table, then sat back down on the couch. "Right, I warned you, come and stand in front of me" Ruth was excited, she wanted this to happen, and the thought of that was driving me crazy with desire. "Take off your top" I told her Bright red in the face, she pulled her top off exposing her small pale breasts to a boy for only the second time in her young life. She didn't even try to cover them, though cast her eyes down in shame despite her obvious arousal. "Now the pajamas and knickers" I croaked, so turned on that I was having trouble talking in a normal voice. She did as she was told, and again didn't even try to cover her nudity from my greedy eyes. I just stared at her for a few seconds, desperately wanting to touch her and explore her naked young body. "Come over here and bend over my knee" I told her Without saying a word she came over, and as I helped her over my knees I touched her sweet soft flesh for the first time. The contact was like a shock, and I pretended to need to touch her chest as she moved into position, feeling a small soft nipple in the palm of my hand. Once she was in position I then the placed my hand onto one of her plump buttocks and stroked its soft skin. No words were spoken as I did this for a minute, but then she let out a soft moan and imperceptibly opened her legs. With that I started to spank her, and I spanked her hard SPANK! SPANK! SPANK! "Are you going to do what I tell you?" SPANK! SPANK! she replied in a shocked voice "Yes Mathew, anything" SPANK! SPANK! I then rested up for a moment, and stared at the beautifully red buttocks under my tingling hand. I started to stroke the inside of her thigh, and again she let out a tiny moan. "Ok, now get up and stand in front of me" She did as she was told and stood naked just a couple of feet away from me. I moved my hand to the top of one of her legs and touched the soft skin, pushing her legs apart, then ran my hand up to just below her pussy. I then told her to kneel down in front of me, which placed her head at the same level as mine. Then whilst looking into her shocked wide eyes toucher her neck, then moved my hand slowly lower over the top of her chest to finally cup one tiny breast in the palm of my hand. She gasped as I did this, and their flesh felt like warm soft silk. I gently played with one of her hard little nipples before deciding what to do next. "OK, your spanking isn't over yet, lie down on on your back on the sofa and bring your knees up to your chest" looking confused she complied and adopted what Americans call the diaper position. I stared down at her young body, her breasts were even smaller in this position but still looked so perfect I could cry. The lips of her labia peaked between her thighs as I sat down in front of her. "OK, your mother told me to spank you as I see fit, well this is how I want to do it" With that I started to spank her exposed buttocks SPANK! SPANK! SPANK! I have to admit that I really gave it some, and as the spanking continued her legs opened up as she writhed under the unrelenting smacks. SPANK! SPANK! "Still going to do what your told" "Yes Mathew" she replied in a trembling voice As her legs moved around I started to concentrate around her inner thighs more, and before long her legs were open and offering me the most perfect view of her young pussy that I could ever have imagined. I stopped spanking her, I placed my hand on the inside of one of her smooth thighs and slowly moved it towards her pussy As my fingers reached her young slit my hopes were realized as they entered its well lubricated moistness. She gasped out of shock and arousal as I started to finger fuck her, then moved up to play with her clit. Within just a minute or so she was bucking in the throws of an explosive orgasm, throwing all caution to the wind and opening her legs wide in front of me. Once she had climaxed I asked her whether she would return the favor. I dropped my underwear, lay down on the couch and let her inexperienced hands gently massage my cock for what cannot have been more than a couple of minutes before I lost control and explosively came, spurting so hard that some landed on her still naked breasts.