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i wouldn't stress too much. the standing water on the deck has found an open screw hole and migrated from the top to the bottom. I assume the boat has been beached a couple times or more in it's life and the gelcoat has been rubbed off the keel. Fiberglass is not waterproof and so the water has found the path of least resistance out of the hull. Assuming when you get down to look more closely you don't find an obvious crack or hole, first seal up the deck, then let the water drip awhile. Once it stops dripping or you can't wait anymore, you want to waterproof the keel, either gelcoat and sand any areas where bare fiberglass is exposed or refresh the bottom pain if the boat has some.