I was grabbing a bagel in Manhattan, doing my homework on my way to my Japanese class. Then all of a sudden, I realized the cafeteria I was in was empty, and then the lady working the cashier grabbed me by the arm, and whispered, "they bombed the World Trade Center!"
I saw the second plane hit on the TV in the cafeteria lounge.
I don't remember much of what happened after that. I do remember calling my roommate in panic, stumbling around campus in shock, and somehow finding myself on the roof of my dorm, 3 hours later, watching the smoke cloud.
I remember freaking out, grabbing a friend I knew from class, and crying about how all those people were dead. I spent an hour trying to call my mom (everyone on campus was doing the same), and telling her that I was fine, I'd been no where nearby (and I hadn't been, but from an ocean away it probably seemed to her that I'd been right next to it).