Four teens go to the lake to enjoy a day of sun and swimming and foolish choices, and encounter a crazy old recluse named Ned. He tells them about Bessie, a monster that supposedly lives in the lake. Most of them mock the old man and discount Bessie as an urban legend.
One is willing to believe, and listen to his warnings.
What happens next will haunt the survivor for years to come ...
Look for "Bessie's Revenge," in Don't go in the Water, Classic Monsters Anthology, Book 3, from Ye Olde Dragon Books.