If the bacteria cover the entire water's surface on September 28 and its growth doubles every day, then we can deduce the following:
- September 28: 100% coverage
- September 27: 50% coverage (half of the surface)
- September 26: 25% coverage (a quarter of the surface)
Therefore, the correct answer is:
D. The water's surface will be covered a quarter of the way on September 26.