Author: Jack Crawford
Title: The Loan Manager
Summary: A small town bank manager uses spanking to keep his

   delinquent customers in line!  Keywords: dom, MF, humil, md, spank,
exhib <!--ADULTSONLY--> Copyright: 2010



   It was another hot, dusty day in Butterfield County, Texas.  In fact, it
had been 117 days without rain for the county and the local economy was
suffering.  Crops had ruined in the field, cattle languished in the heat,
it was tough for almost everyone.  Everyone, that is, except Mr.  Hiram
Turner, President (and owner) of Butterfield Savings and Loan.

   Of course delinquencies were up, and many normally solid citizens were
defaulting on their loans.  Fortunately for Hiram, his father, and his
grandfather before him, had always followed a conservative course of action
and had instilled the same vales in Hiram.  The Butterfield Savings and
Loan on its own could easily withstand two or three years of hardship, but
in reality it could stand much longer.  Hiram was quite wealthy without the
S&L.  His family had diversified out of the county for many years and,
truth be told, Hiram could easily buy the S&L many times over with his
other assets.

   Naturally, that financial stability maintained the soundness of
Butterfield Savings and Loan.  Loans were rarely charged off.  Hiram would
purchase the loans through a separate company and make whatever
arrangements were necessary for eventual repayment.  If you were of good
character, you could get a loan from Butterfield Savings and Loan, Hiram
saw to it.

   So it was not unusual this hot and dusty day, that Mrs.  Amanda Wildfire
sat in the bank's lobby late in the afternoon waiting for her appointment
to speak with Mr.  Turner.  Mrs.  Wildfire was recently widowed when her
husband had been run down and killed by a drunken teenager.  Her husband
had been crossing the street in front of the hospital the night Amanda was
in labor with their only child, Amy.  Now a year old, Amy was staying with
her aunt Rebecca so Amanda could meet with Mr.  Turner.

   It had been tough for the past year, but Amanda did not want to move off
the farm that had been in her husband's family for years.  Growing up in
Butterfield County, Amanda did not want to leave all her friends, although
her sister was the only family she still had in the area, except for her
little daughter, of course.

   Amanda had kept the farm going, using migrant laborers, but the drought
was devastating.  Now the quarterly mortgage payment was due, and Amanda
didn't have the money.  That's why she was here to see Mr.  Turner on this
late Wednesday afternoon.  Finally, as the few bank employees began to lock
up and leave, Mr.  Turner's secretary escorted Amanda into Hiram's plush
office.

   "Mrs.  Wildfire," he greeted her enthusiastically, "It's so good to see
you." His comment was no mere pleasantly.  At 26, Amanda had a trim, if not
voluptuous, figure and her work on the farm in the fresh air and sunshine
gave her a tanned and healthy glow.  Her long brown hair had the slight
hints of red streaks and it was easy to see how she had been Homecoming
Queen in high school and had also won the title of Miss Butterfield County
for three straight years and a Miss Texas runner up one year.

   "Please, sit down," offered Hiram.  Then, looking up to his secretary
said, "That's all Miss Hohenstein.  Please lock up as you leave." His
secretary smiled then closed the office door as she left.  "Now," Hiram
said to his client, "I understand you have a problem we needed to discuss,
Amanda.  I may call you, Amanda?"

   "Of course," she smiled shyly.  "Mr.  Turner, I know you are busy and I
don't want to keep you, but as you said, I do have a problem." Hiram sat on
the edge of his desk, folded his hands on his lap, and looked very
concerned as Amanda continued.  "I really don't know what to say, but my
mortgage payment was due last Friday and I simply don't have the money to
make the payment."

   "Well, Amanda," he soothed, "A few days late is not a problem, really.
When can you make the payment?  I'll arrange for an extension on your
mortgage."

   "You don't understand," pleaded the pretty young woman.  "I can't make
the payment at all ...  at least not until I can get a fall crop of
watermelons or pumpkins sold.  It won't be for another three months!" The
anguish in her face was plainly evident.

   "And," added the stern faced Mr.  Turner, "by then you'll have another
quarterly payment due.  Can you make both payments then?"

   "There's no way, Mr.  Turner, there's just not enough cash in that crop
and I still have to feed my baby."

   Mr.  Turner crossed his arms and stared at the floor, deep in thought
for a minute.  Then he asked, "What do propose I do, Amanda?  If you were
in my position as President of the Butterfield Savings and Loan, what would
you do?" Amanda could no longer look at the stern faced man.  He was not
unattractive, though old enough to be her father, and his banker's suit was
an intimidating dark grey.  She lowered her eyes and studied the floral
pattern in her conservative cotton dress.  With out looking up she offered,
"My sister said that sometimes arrangements could be made."

   "Ah, yes.  Rebecca.  I remember that well.  She had a temporary problem
with her car loan that we worked out," he said thoughtfully.  Hiram studied
the young woman, who was visibly nervous ...  her hands fluttered slightly
and eyes darted about, always down, never up at him.

   "Could we work something out, Mr.  Turner?" she quietly implored.  She
added, "I know all about how you helped Rebecca."

   "Oh?  Well, I think we out to get our facts straight then, Mrs. 
Wildfire.  Perhaps you should tell me all about these alleged
arrangements." His voice was firm, and hinted at annoyance.  He sounded a
little like her father had when he knew she was lying.  Thoroughly uneasy
now, Amanda wondered if her sister had stretched the truth a little, but
Amanda had no choice but to continue.  She could not come up with the
payment.

   Looking up, she stared into his eyes as she all but accused Hiram with
the story Rebecca told her.  "My sister said that you extended her loan so
that her past due payments wouldn't be due until the end of the contract
and that she could make those payments last if she made one monthly payment
from then on." Turner said nothing, letting the silence of the empty bank
building urge her to continue.  "In return for that, she let you spank her.
You pulled up her skirt and spanked her until she cried."

   Another long silence hung in the air until Mr.  Turner replied.  "That's
close to being the truth.  Your sister asked for the spanking and she got
one.  She didn't "let" me spank her.  Rather, she got a good bottom warming
to remind her that she needed to make timely payments on her loan."

   "I understand," Amanda said weekly, then implored the older man,
"Please, Mr.  Turner, can't we work out the same thing?  I know it's bad
not to make your loan payments, but I don't have the money!  Please!!  I
don't want to lose the farm!" Big watery tears filled her eyes, and a
single tear slowly dripped down her cheek.

   Handing the distraught young lady his handkerchief, Mr.  Turner told
her, "This is more serious than a couple of car payments, Amanda.  I will
accommodate you, but you must know before hand that you deserve a much more
severe punishment than a smacking on your panties." He eyed her closely for
her reaction, which was immediate.

   "Oh, thank you, Mr.  Turner," she cried with relief, "I appreciate any
consideration you can give me." Then, lowering her head with shame, she
added, "I know I've been very bad about all this.  I'll accept your
punishment, whatever it is, if we can defer this quarterly payment."

   Still seated at the corner of the desk, he waited until Amanda tried to
sneak a peek up at him.  Then suddenly he spoke.  "Very well, Amanda. 
Stand up and remove you dress."

   She was not prepared for that command, and was shocked by it.  "You
can't mean here, Mr.  Turner," she pleaded, "What if somebody hears!"

   "Then they shall hear you getting a good, old fashioned, bare-bottomed
spanking!" She blushed when she heard "bare-bottomed", but Mr.  Turner went
on.  "There is nobody in the building at this hour, my dear, but if you
don't wish to comply instantly, we could wait until tomorrow morning when
the entire staff is present.  Might do them some good to see this."

   Amanda's reaction was immediate.  The prospect of a spanking at her age
was bad enough, but in front of a room full of her neighbors?  No way!  She
nearly jumped out of the chair and quickly unfastened the buttons at the
back of her dress.  Hiram was stunned by the lovely Amanda as she placed
her dress on the coat rack.  She must have been planning this all along, he
mused ...  the story of her sister, and that outfit!  Without the dress,
Amanda had on a matching set consisting of white satin bra, panties and
garter belt, which suspended very sheer stockings.  The underwear revealed
more than it covered and Hiram liked his lips in anticipation as the comely
young lady turned her back to him.  Her bottom cheeks were only half
covered as the swell of cheeks jutted out beneath her panties.

   She turned to him from the coat rack, and he regained his composure.  He
directed her to the large green leather sofa at the side of the office and
whisked her over his lap as he sat down.  "This is just a warm up, Amanda,"
he advised, "But, if you feel like crying out loud, please do so.  We are
quite alone."

   His hard palm made a loud SMACK on her right cheek, which was
immediately echoed by a similar spank to her other cheek.  Hiram slowly
spanked either cheek with a steady rhythm as the young woman buried her
face in her hands, quite in shame.

   Hiram made the spanks deliberate, afraid of wasting this precious
moment. The feel of her satin panties as well as the satiny touch of her
bottom flesh was arousing.  He could wait no more than a dozen spanks when
he tucked his fingers into the waistband of her panties and slid them down
to her thighs.  A lovely picture, he thought.  Panties and garter belt
nicely framing an emerging pink bottom.

   Her pert, white bottom already showed the results of his first spanks,
as the fleshy summit of her behind was brightly pinkened.  Amanda gasped as
she felt the last tiny bit of protection slide down her legs.  She felt
fully exposed now, and clenched her thighs tightly together.  She could
feel the cool air tickle the surface of her warm bottom as she felt his hot
gaze feast on her revealed flesh.  Although she had felt shame and
embarrassment earlier, she now felt truly humiliated.

   SPANK!!  Hiram resumed his spanking as his hard palm punished her naked
bottom.  Her bottom delightfully danced and giggled as he spanked, turning
a darker shade of pink.  Eventually, the pain took its toll as Amanda
squealed, "Ow!  That really hurts!"

   Mr.  Turner just laughed, "This is only a warm up, young lady.  You
don't know what it means to hurt just yet!" Then he loosed a series of
especially hard spanks that caused Amanda to squirm on his lap as she tried
to avoid the blows.  He did not spank her very long, but it was a thorough
hand spanking that had the young lady gasping with each swat.

   He stopped, and gently caressed the Amanda's hot bottom.  Hiram really
loved this part.  He knew that Amanda would think the spanking was over as
he gently probed her punished backside, something he would otherwise not
have been able to get away with, and his steady gaze took in every detail.
Strange, he thought, her bottom wiggles slightly just from her breathing.
Now for the really fun part!

   "Stand up!" he barked, punctuating his order with a brisk spank.  She
struggled to her feet and clutched at her panties to cover herself.  "You
may remove those," he ordered simply.

   Amanda was shocked.  She stood exposed in front of this man, her furry
sex almost in his face and she had to remove her panties!  Too stunned to
rebel, she stepped out of the flimsy material.

   "Tell me," Hiram instructed, "just how did your daddy punish you when
you were a little girl?"

   She thought about her reply for a moment, then realized that he may have
had this same conversation with Rebecca.  Amanda opted to tell the truth.
"When daddy was angry with us, he would take us out to the woodshed and
switch our bottoms." Managing to spit out the words, she still could not
look at him as she admitted this secret.

   "Well, we don't have a woodshed here," reflected Hiram as he stood. 
"And, I don't have a switch, but I have something that may work just as
well." He grabbed her by the wrist and ordered Amanda to bend over his
large desk.  Mr.  Turner opened the middle drawer of his desk and removed
an 18" ruler.  He swatted his hand with it very close to Amanda's face. 
"Have to use this once in awhile on Miss Hohenstein's impertinent bottom."
Amanda's eyes opened wide, wondering if what he said was true.  "Works for
her.  Probably will work for you," he judged.

   Hiram returned to the front of the desk to examine the bent over form.
"Not a time for modesty, my dear," he advised.  "Spread your legs and place
your head right down on the desk." She complied.  "Much better!"

   She could feel his hand fondle her naked rump as she awaited that wicked
looking ruler.  Not one to waste time, Mr.  Turner slapped her backside
with the long flat ruler causing Amanda to squeal, "OWWW!"

   Hiram decided on a scientific approach.  Starting at the fleshiest point
of Amanda's left bottom cheek, he delivered six rapid spanks alternating
out from the first swat.  He repeated the process on the right cheek.  On
the last hard swat, Amanda bolted upright, crying in pain and clutching her
injured backside.  "Lie back over the desk, Amanda," ordered Hiram in a
calm voice, pushing her shoulders gently, yet firmly down to the desk top.
"We don't behave like that when we are being punished.  These are for not
keeping your place."

   His left hand was now firmly pressed in the small of her back, holding
her down on the desk.  With his right, the lengthy ruler smacked the backs
of her thighs ...  three times on each leg.  Amanda screamed and cried, her
legs kicking and all vestiges of modesty released.  She was well beyond
caring about what she exposed, that damned ruler stung like hell!

   "Six more, Amanda, and we'll be all finished today." Somehow his
announcement was both a horrific statement and a relief at the same time.
Amanda sobbed and nodded her head in agreement.

   WHACK!  Across both cheeks at the top of her buttocks landed the nasty
flat piece of wood.  Amanda shrieked, but held her place.  WHACK!  another
blow, terrifying in its intensity, bit into her bottom just below the first
stroke.  WHACK!  WHACK!!  WHACK!!!  Three more stinging blows worked their
way down her bottom towards the junction of bottom and thigh.

   It was at that junction, stretched taught and exposed by her position,
that final stroke landed.  Both of Amanda's legs kicked up with the spank,
her body resting entirely on the top of the desk.  She writhed in pain and
her tears flowed freely.

   Hiram helped her to her feet and escorted her to a corner in his office.
"Cry yourself out, Amanda," he advised.  "It'll do you good.  You just
stand in that corner like that until you get a hold of yourself."

   Amanda bawled and hiccuped for about five minutes as Hiram admired his
handiwork and the angry red blotches on her exposed bottom.  When she
seemed to be under control, he walked up behind her, and gave her a tender
kiss on the cheek.  He lightly patted her bottom and grinned as she jumped
at the touch.  "You realize, of course, Amanda, that a mortgage is a much
more serious obligation than a car loan, don't you?"

   She nodded, then sniffed, "Yes."

   "Good.  Because this is only the first installment." He could feel her
stiffen at that announcement and she remained tense waiting for an
explanation.  "I expect to see you in my office at this time every other
Wednesday, until you can make a mortgage payment.  In exchange, we won't
foreclose.  Is that an acceptable arrangement?"

   Again, she nodded affirmatively.

   "Good.  Then thank me for your spanking and get dressed.  My wife
doesn't like it if I am too late for dinner."

   Amanda turned around, hugged and kissed Mr.  Turner.  "Thank you, sir. I
deserved that spanking, harsh as it was.  I'll see you in two weeks." 
