Will & Jada's Daugther "Willow Smith" Photographed in Bed with 20-Year-Old Actor

Will Smith's 13-year-old daughter took a pic in bed that's raising a lot of eyebrows ... because she's laying next to a topless 20-year-old man.

In the photo ... Willow Smith is in bed -- fully clothed and on top of the covers -- and an actor named Moises Arias is sitting next to her sans shirt.

Moises -- best known for his role as Rico on "Hannah Montana" -- and Willow don't appear to be touching each other in the black and white shot he posted on Instagram ... still it's a strange scene

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