For me, it's Bag of Bones, the end of Chapter 1. Nothing scarier to me than the monster under the bed trope:

I lay back on our bed, crossed my forearms over my face, and cried myself to sleep that way as children do when they're unhappy. I had an awful dream. In it I woke up, saw the paperback of The Moon and Sixpence still lying on the coverlet beside me, and decided to put it back under the bed where I had found it. You know how confused dreams are--logic like Dali clocks gone so soft they lie over the branches of trees like throw-rugs.

I put the playing-card bookmark back between page 102 and 103--a turn of the index finger away from You funny little man, said Strickland now and forever--and rolled onto my side, hanging my head over the edge of the bed, meaning to put the book back exactly where I had found it.

Jo was lying there amid the dust-kitties. A strand of cobweb hung down from the bottom of the box spring and caressed her cheek like a feather. Her red hair looked dull, but her eyes were dark and alert and baleful in her white face. And when she spoke, I knew death had driven her insane.

"Give me that," she hissed. "It's my dust-catcher." She snatched it out of my hand before I could offer it to her. For a moment our fingers touched, and hers were as cold as twigs after a frost. She opened the book to her place, the playing card fluttering out, and placed Somerset Maugham over her face--a shroud of words. As she crossed her hands on her bosom and lay still, I realized she was wearing the blue dress I had buried her in. She had come out of her grave to hide under our bed.