I know this is waaay off-topic but I have always thought this was interesting ever since I was told this story.
My wife and I were living in London in early 1998 doing a Christian Counseling course with Youth With A Mission. One of the other people on the course was a shy, affable and very inteligent young woman whom we got to know very well. She came from a fairly well to do family, but she never bragged about it; I think she might have been uncomfortable with how people would relate to her because of her upbringing. Once or twice, however, she did let slip that her family sometimes spent their summers in Scotland, though she offered no more information than that. After three months, we were receiving our assignments for the outreach phase of the school, and my wife and I had felt called to work up in Edinburgh. So, we asked her, since she had spent some time there, about where she spent her summers and what is there to see, if we had a chance to slip away for a weekend.
She told her her family rented out a house in Inverness, near the loch. Well, just as a joke, I asked her if she had ever seen the Loch Ness Monster. She kind of looked down, ackwardly, and replied that yes, indeed she had. She then proceeded to tell us the story (in much more detail than this) that basically her and a few of her brothers were walking along the edge of the loch one evening, as it was getting dark. Ahead, they saw a figure lying across the path. Thinking it might be someone hurt, they quickened their walk towards it. But, as they came closer, they saw that what they thought was a body was actually the neck of a very large creature whose body was still submurged into the loch. They stopped suddenly. The creature then lifted its head, stared at them for a moment, then turned and silently disappeared back into the loch.
She told us that she doesn't like talking about it, espically to Christians, because she is afraid that people would think she was into New Age stuff or even doubt her sanity. But, since seeing it, she starting cautiously tellings others about what she saw, and she told us that there are many others around that loch that told her that they too have seen that creature, some on several occasions.
After knowing her on that school and after, and knowing that she does not have any tendancy towards telling shady stories, let along having a dishonest bone in her body, I can only conclude that she, indeed, saw the Loch Ness Monster.