1 (9") graham cracker crust
2 bananas
1 (8 oz.) pkg. cream cheese
2 c. milk
1 (3 1/4 oz.) pkg. instant vanilla pudding mix
Toasted coconut or whipped cream

Slice bananas into graham cracker crust. Gradually add 1/2 cup milk to softened cream cheese, mixing until well blended. Add pudding mix and remaining milk; beat slowly 1 minute. Pour into crust; chill. Garnish with either coconut or whipped cream.