About four years ago I was working in a job which meant I was often travelling along Loch Ness by coach. I saw "something" on the loch on two separate occaisions. The first was of the "classic" upturned boat kind of sighting. Probably about five miles from Fort Augustus, travelling along the north shore of the loch, I looked out and saw a dark shape or hump approximately halfway across the loch. Not knowing exactly how far away it was I can't really give an accurate estimate of size, but it seemed to be slightly smaller than a dinghy. After perhaps 20 seconds the object submerged quite quickly but without a splash.
My second sighting was about two months later (the first was in early May). As the bus approached Urquart Castle, heading towards Inverness, I noticed a disturbance in the water in the middle of Urquart bay. Channel 4 TV had recently repeated a documentary about the Loch Ness Monster which had included some camcorder footage which had initially seemed very impressive, showing what appeared to be large animal thrashing about in the bay. The reason I mention this is because to my mind, what I saw that day was almost exactly the same as the video, however, seeing it "in the flesh" as it were, it looked to me far more like some kind of eddy or interference pattern in the water than a living creature. I have to say I was rather disappointed, as being from Inverness I had always wanted to believe that there was a monster. (of course, my interpretation of the event does not mean that there isn't!).
While we're on the subject, I read recently in one of the Inverness Newspapers (Highland News I think) that a Japanese webcam pointed at Loch Ness had shot around 40 seconds of clear footage of the monster. This is supposedly posted on the web somewhere but I've not yet had any luck finding it. Anyone know where it is?