I had known Hannah for 12 years; she was a couple of years younger than me but we got on well. Many years ago, teenage lust had brought us together for drunken snogs and gropes in our inexperienced way. It never got beyond that and after a few years Hannah moved away to start university.

It was then she met a bloke, lost her virginity to him, and unintentionally got pregnant. Not wanting to have an abortion however, she kept the baby and gave birth to a lovely baby boy - then married her partner. Whilst it wasn't the ideal start to a relationship, Hannah made things work for her new family and all was well.

After university she came to back to live in the next village to me (where she was from) and we met up again as friends. We had a common interest in rowing - she was in the women's A crew, me in the men's A, so would often cross paths when going to or from practices. For a couple of months it was purely friendship, but it gradually developed into deeper feelings.

After a rowing practice one evening we both happened to be back at the boat shed at the same time and were the last to leave. I was just tying up seats to the overhead racks when I felt her presence very near me. I turned round, our eyes met and neither of us said a word. We moved closer together, embraced each other and our lips met.

I couldn't believe she was doing this - we hadn't kissed for at least 10 years, she was married... yet the desire had never really broken between us. It was a passionate kiss but didn't last long; she had to get home to her family. However, we both knew this wouldn't, couldn't, be the last time, there was so much more... We exchanged numbers and vowed to meet at the next opportunity.

I couldn't stop thinking about spending more time with Hannah. She was tall, slim, had brown hair that perfectly framed her pretty face. Her tits weren't big at 34B, but were well proportioned to her figure. It was risky meeting her, but we both had passion for each other. Four weeks went by, but then the opportunity arose.

Hannah's husband went away one weekend, taking their son with him, leaving her at home alone. I called as soon as I knew and she invited me around to their house. I went round after dark, so I wouldn't be seen walking in, and took some beers with me. We met at the door and she ushered me in quickly so we wouldn't be seen.

I embraced her as we kissed passionately in the hallway, passion building in our bodies. She then led me into the sitting room and we opened some beers. I sat on the sofa and she lay across me, her head on my chest as we held each other. We kissed passionately again, this time me moving to lie on the sofa, side by side.

Gradually we explored each other's bodies, slowly - amazingly slowly, considering how bad we wanted each other. It got to the stage that she said, "come on, come into my bedroom." I didn't need asking again...

Up there the sense of urgency increased. We both got rid of t-shirts and trousers quickly. Our lips met again, I felt her up and down with my hands, feeling every inch of her soft skin. I was getting hard and she pressed me against her. I unhooked her bra and felt her beautiful pert tits. I kissed and sucked on her nipples.

I could tell Hannah was getting aroused, really aroused - so was I. She started stroking my cock through my boxers and I started sliding my hand down the front of her knickers. She was partially shaven and felt amazing. I touched her clit and felt how wet she was.

I couldn't take it any longer, and neither could she. I pulled her knickers down as she pulled off my boxers and I gently pushed her onto the bed. I didn't let her grab my cock for long, as I knew she would send me over the edge quickly. So I went down on her, passionately kissing her tits, down across her stomach, to her clit.

I licked, kissed and nibbled away at her clit. She started moaning quietly right away, until it built into a full-blown orgasm. I slid one finger into her, then two, moving quickly. She started moaning louder. "James, don't stop doing that, ohh, ohhh, take me now, please!"

But I wouldn't give in that easily. I'd been waiting for this for a long time and wanted to make sure she came before me, and savour the time. I was really enjoying being the boss.

I brought her to a climax with my hand and her juices gushed out over the bed. She moaned and started panting, then opened her eyes and smiled that knowing smile with a naughty look in her eye.

I moved back up to her and kissed her full on the lips, then she started stroking my rock-hard cock. I massaged her arse then moved to her clit again - she was aroused again and this time really wanted me. She started moaning again and I positioned my cock on her clit, just rubbing it gently, which really got me going.

"Are you sure you want to do this?" I asked.

"I wanted you to take my virginity years ago, I've always wanted you," Hannah said

"Are you on the pill?" I asked.

"Yes, now, please..." she said.

I knew she wanted me now, badly. I moved my cock to the entrance of her vagina and gently just pushed the tip in. I'm average size, but it had the effect of her throwing her head back and really moaning, even though I was only an inch in her. I savoured the moment and moved into her very gently, gradually pushing all the way in to the hilt - defying her wishes for me to go quicker.

I moved in and out of her, slowly at first, and all the time we kissed passionately. Her orgasm was building and so was mine. We moved together, increasing pace and both feeling a huge orgasm building. So much tension and so much desire were all about to be released under forbidden circumstances.

I could tell Hannah was about to cum so started thrusting into her hard. Her breasts were rosy, as was her face, and she started to cry out: "Fuck me hard, James, fuck me"

"I'm going to come," I said, out of breath.

"Come in me, come hard, fill me up!" she said.

I slammed into her and as she released a huge orgasm, so mine climaxed too. I shot load after load of cum into her cunt.

We were both breathless for at least two minutes, but gradually settled down side by side, me still in her, savouring the very limited time we had together.

But this wasn't the only time we met. In fact, it became the first of a few forbidden encounters...