Pat Gima says,

<< I have a client whose 10-year-old daughter has a firm lump under the
 nipple/areola on one breast.  The lump is between a quarter and half dollar
 size and is graspable and "hard."
  >>

Pat, it sounds like a breast bud to me which some girls have and some don't.
I don't remember Jill having them at all, and was a bit non-plussed when
Torrey developed these small hard bumps under her nipple/areola -- just one
side at first.  It was about pea or lima bean sized and very firm.  She was
about 10 at the time, and I couldn't figure out for the life of me what it
was.  Then she got one on the other side, and then, about a year later, began
to develop breasts.....

Jan Barger