The girl and the water-horse.
Very often, fairy knolls were found in close proximity to lochs. Occasionally, water-horses would come ashore from these. On one such occasion, a girl was sitting by a loch when she was approached by a beautiful man who lay his head in her apron. She noticed sand in his hair and, realising he was a water- horse, removed her apron as he slept, and ran away. He chased her in form of a water-horse, but she protected herself with a charm.