View source for Public Nudity/Excited at having someone spy on you.

Your thrill at being watched overcomes your fear. Brazenly you stand up and stretch giving the boy a profile view of your body.  Bending over you reach for the suntan cream.  Your hands shaking with excitement you squeeze the cream on to them. Slowly you caress your flesh. Your shoulders, arms, neck, your hands move over the top of your chest.  Teasingly you bring them down to your budding breasts, you can feel how hard your nipples have become. Unable to stop yourself you tease them more.  Out of the corner of your eye you can see the boy next door peering over the top of the fence, to afraid to show himself, to focused to hide himself.  You let your hands move down from your breasts, slowly rubbing the cream over your flat belly, passed your belly button. You feel exhilarated he may only be the boy next door but this is the first time you have deliberately let anyone see you totally naked, you can feel the excitement building.  Your insides feel like they are on fire, a moistness building between your thighs.  Your fingers caressing your waist, your buttocks, sliding them towards your mons. The tips of your fingers nuzzling the sparse fluffy down of your pubes.