Ok, no monster story, but several years ago, my brother in law and I were fishin the bank near Chimney Rock about 2 in the mornin, when we could see something in the water up ahead a bit. We turned on our flashlights and saw about 4 feet of someone's cabin cruiser's bow stick straight up outta the water. It was eery as hell. We made sure nobody was there and went on fishin.
Never did hear anything about it.