Use the clothing to your advantage.

Trying to use your most seductive voice, you call to you father through the door to his bedroom. "Dad, I am getting really... hot. I am going to go for another swim, can you come and watch me?" He grunts a yes through the door, and emurges a bit pink in the face. You notice his zipper is still down, and his shirt ends are protruding at odd angles from his shirt. You can only hope he was excited about your last swiming attempt.

You dive into the pool, your mother is not at all as attractive as yourself, and you know she has given your father no action for many years. Her rather large cloths on your young, firm body, slide off easily as you re-enter the water. You keep yourself underwater, trying to see your fathers reaction through the waves, as he sees the clothing gently float to the top of the water. You can see that he is trying very hard to see you in the water. You emurge soon after.

"Oh gee, thats a shame", you say in mock alarm. Then you suddenly gasp and mock being pulled underwater. You soon here a splash as your father comes to rescue you from whatever may have happened to you. He pulls you, still naked, from the water. You hold your breath, waiting to see what he does next. Seeing your motionless body, your father soon presses his mouth to yours, and breaths into you. He then places his hands firmly over your soft, warm breasts, and pushes hard in an attempt to make you expell any water, he returns to your lipps again and you..