An 8 year old girl was taking a walk by the loch, looking out at it. Her grandpa had warned her to never go in the water, but never would tell her why. All she could do was wonder. What was so bad about it?
A kelpie swan in the water, her current form being that of partial horse and partial fish. She had not feasted in a long time. The men of the area had become suspicious of the water after many younger children have disappeared near its surface. She let her head grace the surface of the water, hoping to find something to satisfy her growing hunger. What she saw surprised her, a young girl. A sickening smile graced her muzzle and she went back under the water, causing a few ripples as she did so.
The little girl moved closer to the water, but she had no actual intentions of going in. She would be in big trouble if she went home all wet. She knew this body of water has a story to it, a legend, but every time she asked grandpa about it, he would get upset and look at where his left hand used to be.
It was obvious to the kelpie that the girl had no intentions of going in the water, but that just meant all the more fun for her. She swiftly changed the lower part of her body to that of a horse, as to match her upper body. She began to kick as though struggling in the water, throwing her head up, bursting through the water. To any onlooker, it would seem like she was fighting against the water to stay above.
The girl was suddenly shocked to see a horse drowning in the water. Getting in trouble at home was no longer her concern, she had to help it. "Hold on I'm coming!" she shout it out to it, before jumping into the water.
The kelpie laughed in her head. Of course, only a young child wouldn't even think of where the horse suddenly came from. She saw the child coming towards her, so she took a few strokes towards her.
The girl smiled when she saw the horse was heading towards her. "Yes that's right come on, let's get you out of the water. Come follow me to land pretty horsey."
The kelpie stopped next to her and waved her mane, splashing more water around. Her black nuzzle pressed up against the child's face. She was hoping the girl would take the bait. The young girl reach her hand out to pet what she believe to be an ordinary horse, then kelpie grab at the girl's arm, pulling with all her might, back towards the water, teeth clamped tightly around her wrist. She pulled her under.
Before the girl knew what was going on, there was a sharp pain to her wrists and she was suddenly pulled under. Someone, anyone help me, she desperately thought. She was trying as hard as she could to break free, but was soon feeling light-headed from lack of oxygen.
The kelpie saw bubbles coming from the young girl's mouth. She could easily drown her and feast down here. But that was too easy. She hadn't eaten in a long time and she wanted to have fun. She twisted her body, her bottom half now that of a fish again, towards the surface. She released the girl’s wrist, but not before jerking her head up and throwing the child into the air. The girl’s body was small, but it was still a bit of a challenge to get her up like that the child was just about to pass out from lack of oxygen when all of a sudden she broken the water surface and was up in the air. She take a huge breath of fresh air before hitting the water again. The kelpie watch as she hits the water with a loud 'splash'! She quickly head in under her and swam up to her, locking eyes, with a sickly smiled.
The little girl began shaking in fear as when she sew the way the creature was looking at me. "NO GO AWAY, BAD HORSEY!" She started to break down into tears. The kelpie smirked. Did this little girl really think a few tears would drive me away? The creature thought darkly, she had made that mistake before, and the little brat had kept her from eating for a VERY long time. She swam down and grabbed at her foot.
The girl felt the creature grab one of her feet and I began kicking it with the other. "Let me go. HELLLLPPP!!!!!" She screamed as loud as I could hoping someone would hear me. The kelpie felt the foot ram into her face, forcing her to let go. She shook her head to remove the hint of pain the girl left. She was just too much fun. But it was about time to end the little game. Her stomach growled in agreement. I swam forward, swinging my tail towards her chest. The girl had been only free herself for a few seconds, but before she could even try to swim away the creature had her again this time it had her around the chest. She yelp in protest as tried to break away again.
The kelpie was not going to let her well-earned meal escape. Holding her tightly, I squeezed while pulling her under, the combination to try and remove the air from her lungs. The scared little girl felt like she was going to die. She couldn’t breathe and was starting to blackout. This was it for me. She thought sadly, I was going to die and there was nothing I could do about it.
The kelpie had to keep herself from rearing back when she swathe child’s face. She was so afraid, so afraid to die. But this was her, an eater of children. In girl’s weakened state the kelpie knew she wouldn't be able to fight her off, so the creature grabbed at her feet again, this time taking both in a single bite.
The girl felt the creature grab her feet, but didn't have the strength to fight back and was barely still conscious at this point, she going to black out any second now, as she look the creature with pleading eyes. The kelpie quickly looked away from her eyes, gulping down more of the small child until she was at the tips of her hands. She twisted slightly so as to fit them in my gaping mouth. The girl was more than halfway in the creature before passing out, still just barely alive at this point. Her last thought before losing consciousness was "I'm sorry I didn't listen grandpa."
The kelpie continued swallowing the young girl, her stomach extending with each gulp. When she got to her head, the creature savored the flavor, reminding herself once again that this was who she was, there was no changing that. With a final gulp, I pushed the young female's head into my mouth and down her throat. She decided to let some air in as well, in the case she were to wake up, in order to savor her final moments of torment within her. But at the same time, she started wondering why I was having all these thoughts. She was just another girl, another meal.
The child begin to regain consciousness. At first she thought all that happened was just a nightmare, until she realize the soft and squishy surroundings she was trap in. She can't help but wonder how long it was going to be before her little body was digested alive and how painful it was going to be. The kelpie felt slight movement in her stomach, the only sign she got that the young girl was awake. She allowed my stomach to release a small amount of acid, but stop once the girl let out a painful cry from being slightly burned. What was wrong with me? The creature wonder to herself. Why was a little girl, my PREY, making me rethink everything? She snorted angrily, a line of bubbles flowing to the surface.
The more child cried the more the kelpie beget to notice that there was something familiar about girl’s scent. Then it hit her, the little boy, the one who got away by cutting off his own hand to free himself. She had killed and eaten 9 other children that day, but one did get away. If he was still alive he would be an old man by now. There was no doubt the girl was his granddaughter. She growled when it hit her. This... This brat! She... She was related to HIM! He was the one that made her me start questioning my morality. No wonder she felt something about this girl. She couldn't make the same mistake again... Could she? Her ears flew back at her cries. What was she to do now?
In a soft voice under her breath the girl cried out. "I don't want to die. I just want to go home."
Before the kelpie knew what she was doing, her body morphed to that of a full horse. She busted through the surface of the water, the current pushing her around. She turned towards the land and began to swim.
Over on the land by the lock was on old man looking for the little girl. He looked out at the water with a sickening feeling. "Oh why didn't I ever tell her why not to go in the water? I should have told her, then maybe it she had known......she would be still be...." He breaks down, believing that he had just lost the only family he had left.
The kelpie made it to the land, pulling herself up. She didn't know what had come over her, but she started choking, trying to bring the girl back up.
The little girl started to feel movement around her, meanwhile the old man had spotted the creature. "Where is she, what have you done with her?! You can have me if you wish, but just bring her back!" The kelpie glared right at the man. Oh how she wanted to take him up on that offer, but being an adult, he would be quite difficult to swallow whole. She would probably need to carry him under and eat on him slowly. She shook her head and returned to what I was doing. Her throat was burning because she was pulling the girl up, not in. I began to feel her head enter my mouth.
At first the man thought the creature was going to spit out her bones to cruelly mock him and rub it in, until he heard familiar crying and whimpering. The kelpie could feel her whimpering as it reverberated in her mouth. No doubts she was terrified. She stopped for a second, the girl choking her to where she nearly swallowed her back up, but she shook it off and pushed her up more, her head going right between my teeth. The girl felt the fresh air suddenly hit my face, but my eyes won’t not yet adjusted to the outside light. "JENNY." Her crying stop when she thought she heard her grandpa's voice called her name, "G...grandpa?" Was it really him?
The kelpie continued the regurgitation process until only her legs, then her feet were left. She took a moment to savor the taste of her once more before I roughly threw her to the ground. She tried not to look, or if feel the need to eat her once more, but she could only guess that there were a few marks from the stomach acid dotting her. She couldn't remember whether she had bit her legs hard enough to leave a mark. She turned towards the water.
The old man ran over the pickup the frightened child. "I I' ...so..sorry grandpa." No I'm the one who's sorry. I should have told you why I didn't want you going into the water. You're safe now that's what's important." The old man looked over at the creature who was walking away. "I don't know why you had a change of heart after all this time, I didn't even know a beast like you even had one, but thank you." Anyone could hear the emotional relief in his voice.
The kelpie froze a moment at his voice. She flicked her tail to show that she had heard him, but that was it. She rushed towards the water before her 'heart' (or more precisely her stomach) changes my mind. She let her go today, but if she ever came back, she would be her prey.
As a way of thanking the creature for bringing back the girl and also to help discouraged it from attacking the next child that mistakenly enters the water, the old man would everyday throw chunks of meat in the water for her to eat and after he passed the young girl who was now at the end of adolescence took over the job for him.
The kelpie happily (and, though she wouldn't admit it to some weak human, gratefully) accepted the rations of flesh. They weren't as filling as the children she had devoured before were, but they kept her filled. She was surprised one day to see the girl she had released on that day, long ago, taking the place of the old man. But it was to be expected, humans had short life spans after all...

This was an RP done between me and angel446 over here Water kelpie vore rp

What a water kelpie is https://www.youtube.com/watch?v=o4gB4sn79dc