I was 12. In some ways I thought I was old enough. But in others I knew I wasn't. I had made a bet with two of my girlfriends and I had lost. The price was to give myself to one of my girlfriend's older brother. He was 19, home from college for the summer.

At first I was supposed to take off all my clothes, but on that day they let me take off my pants. I stood with a naked butt waiting for him to come into the room. When he came in he lifted my shirt to see my pussy. He told me to get on the bed and work myself up to the pillow and lay back and open my legs.

He took off his pants, his erection scared me, the biggest thing I had ever inserted in my vagina was my fingers. When he got over me, his sister got on the bed and guided his erection to my vagina. I wasn't wet and it took several minutes to get wet and accommodate his erection. The act itself took a short few minutes, he pulled out before ejaculating and laid hard on my tummy and I felt his warm sperm on my naked stomach.

Once he got off and he pulled on his pants he asked me to take off my shirt. He walked over and touched my breasts.

My girlfriends helped me clean his sperm off my stomach, and get dressed. I spent the next hour describing how it felt. They asked me if I was in love with him now. I said yes. If I was his girlfriend, I said yes.

Over the next days I got older. I felt older. I didn't feel him any more.

He came to see me the next weekend. My girlfriends were not there and he asked me if I wanted to do it again, this time without my girlfriends. He wanted me totally naked, he got naked, he went down on me. I got hot and he got on me and this time we had real intercourse. Now I felt grown up.