The Wind in the Willows

Help finding a quote

I seem to remember a scene near water (a day trip to the river maybe?) where one asks the other, about some spooky water-creature, if he was scared of the being, and the other's answer was paradoxically, "Not at all. But terrified." or something like that. Any help?

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Are you perhaps referring to the water rat in chapter one "The River Bank"?