The mutual exchange of water between lakes and contiguous permeable ground-water bodies, which are thin relative to the diameter of the lakes, was modeled digitally. A significant rate of seepage was found to extend only a relatively short distance from shore, thus forming a narrow band around the lake's perimeter. This near-shore concentration of seepage is an effect only of the geometry of the ground-water flow system, which is governed by the geometry of the body of permeable material, the spatial distribution of permeability within it, and the form of the water table. Near-shore seepage occurs independently of the presence of fine-grained, lowpermeability sedimentary bottom materials in the central part of the lake. Digital modeling indicates that the velocity of seepage generally decreases at an exponential rate as a function of distance from shore. Field measurements of seepage rates through the bottom of Lake Sallie, west-central Minnesota, confirm the model results by demonstrating that both the near-shore seepage band and the exponential decrease in seepage velocity actually exist.