1 lg. box vanilla wafers
5 lg. bananas
1 can Eagle Brand milk
8 oz. cream cheese
1 lg. box instant vanilla pudding
3 c. milk
1 lg. container Cool Whip

Mix milk, cream cheese, Eagle Brand milk, instant pudding and 1/2 portion of Cool Whip until thick. Layer wafers, pudding mixture and bananas, then top with remaining Cool Whip. Garnish with crushed wafers if desired. Refrigerate until set.