Jasper's Ghost (1992)

11 year old boy is seen in a kitchen naked following a bath. Initially wrapped in a towel, he puts on his pajamas and briefly exposes his side and rear.

14 year old and 10 year old girls swim in a lake topless in panties while a young boy watches. They ask him to join them. He pulls off his clothes and jumps in wearing underwear. He swims to them and stares at the older girl's breasts. She covers them with her arms and smiles shyly.