I joined the bank at 18 as a temporary summer job before going on to university. However, little did I know that summer job would last 34 years. But I digress.

I started as an office junior, doing mail runs, basic filing, and other back-desk jobs. The branch was fairly large with 20 permanent staff, and I got on with all of them. I formed a particularly good bond with one of the senior tellers, Mary.

Mary was 32 years old, married with 2 young sons, and I think she looked on me as a surrogate daughter. She was protective of me in the office environment, making sure that the male staff knew I was 'out of bounds.' She would often give me a lift home, and one night she invited me to stay for dinner. That's when I met her husband, Ronnie. He was tall, over six feet, and muscular. I subsequently found out that he played rugby. He was, to me, a hunk.

Over time, Ronnie became the subject of my nighttime fantasies, all in my mind of course. Many an evening, my fingers would slide inside my cotton panties and tease my lips apart, imagining Ronnie. But the bank Christmas dance provided me with evidence that my fantasy might not be one-sided.

The Christmas dance was for employees only, but Mary had said Ronnie would drive us there and pick us up afterwards. I dressed in my sexiest black bra and black lacy panties, my short black mini-dress, and hold-up stockings, and waited on Mary to call. I walked out to the car and noticed Ronnie giving me the once-over as I climbed in the back seat. I deliberately gave him a view up my dress to my black lacy panties.

The party was a great night, much drinking and laughing, and I noticed Mary was a bit of a party animal. She was not averse to downing shots in between rounds or randomly snogging guys on the dance floor. By the end of the evening she was totally hammered, and I had to get Ronnie to give me a hand to get her into the car. He actually placed her in the back seat, saying it would be better if she fell asleep, as she could lie down. This meant I got in the front passenger seat beside Ronnie.

Now, I was a bit drunk myself, and my dress was riding high, but instead of adjusting it, I left it displaying my moist panties. Ronnie announced he would take Mary home first, and his sister would get her to bed while he drove me home, never once removing his gaze from my wet knickers.

The drive home was relatively uneventful, although Ronnie's hand brushed my thigh once or twice during gear changes, but that may have been my wishful thinking. My kitty was absolutely on fire with desire. When we got into their driveway, Ronnie went into the house and returned with his sister, and together the three of us managed to lift the now snoring Mary into the lounge and onto the settee. Ronnie then asked his sister to get a blanket and a pillow and he'd make Mary comfortable. He undressed her to her bra, knickers, and tights, and covered her with the two blankets. He told his sister he wouldn't be long, as he'd drive me home.

In the drive, I went to get in the back seat, but he asked me to sit up front so he could apologise. He informed me that Mary was a bit of a wild drinker, and I jokingly replied that I'd noticed. He then asked if she'd been out of order; I could have mentioned the snogging and groping, but I chose not to and replied no. The rest of the journey the conversation was just normal Christmas chat.

When we arrived at ours, he didn't go into the driveway but parked on the street. I thanked him for the lift and went to unbuckle my seatbelt when he asked for a Christmas kiss as a reward for his taxi service. As I was pretty pissed I thought, Why not? It was Christmas. I leaned forward to kiss him, and within seconds, we were kissing passionately. His hands moved up the front of my dress to fondle my enclosed breasts.

"Fuck, Louise, what size are these tits?" Ronnie mouthed.

"I'm not sure," I moaned quietly. "Do you like them, Ron?" I asked.

"God, yes, I'd love a suck on them," he replied.

"No, no, Ron, not here," I stammered.

He moved his right hand from my breast to the bare flesh at the top of my stockings. My legs were quivering with excitement as his hand found the damp patch at the front of my panties.

"Christ, girl, you're soaking," he panted.

"Ronnie, Ronnie, finger me, please. Finger my fanny and make me come," I begged.

He slipped his finger into my panties and teased my pussy lips open. He slid his index finger deep into me, forcing an audible cry, as he began to work my pussy. I moved my hips to meet his thrusting finger. I pulled my panties aside and begged him for more. He slipped another two fingers into my moist snatch and furiously began to give me a serious finger-blasting. I don't honestly know how long it was, but I just felt my legs shake and then a sudden release of pure ecstasy as I gushed over his hand.

"Sorry, sorry, I'm so sorry," I apologised but he just smiled and licked his fingers. He unzipped his jeans and took out his stiff cock and asked me to wank him off .

Now, honestly, I hadn't had much experience of masturbating men. Most of the boys I'd done had shot within 3 or 4 strokes, but Ronnie was a real man. Honestly, my arm was getting sore when he spoke.

"Louise, take off your knickers and wrap them around my cock, then wank me," he ordered.

Obviously, I had never done anything like this before, but I did what he asked, and literally 2 minutes later he groaned, and two warm jets of spunk erupted on my hand and panties.

We kissed passionately again but he said he had to go as his sister would be worrying. However, before leaving, he asked if I'd be up for more.

I asked what he meant. And he said he really wanted to fuck me, and he sensed I was up for it too. I hesitated for a split second, then agreed that I would. He informed me Mary and him were hosting a late Christmas party the Saturday after New Year and Mary was going to invite me.

He suggested I accept the invitation as he had a plan for us to be alone that night. I readily agreed, and gave him a goodnight kiss, my heart racing. I lifted my soiled panties and headed home.

Back in my room I deposited my panties in my laundry basket and got undressed for bed. I slept soundly, but woke to see my mother in my room, holding my cum-stained panties in front of her.

"Someone had a good night last night, young lady. You and me need a little talk later. I don't want to know all the details, but I do need to know you're being careful," she said.

"Okay, mum, don't worry, he didn't come inside me. That's why my knickers are in a mess," I promised.

"That's my girl," she laughed and left. I smiled dreaming about what was to come.