1 (8 oz.) pkg. cream cheese, softened
2 1/4 c. milk
1 (3 1/2 oz.) pkg. vanilla pudding and pie filling mix
24 vanilla wafers
2 c. banana slices

Combine cream cheese and 1/2 cup milk, mixing at medium speed on electric mixer until well blended. Add remaining milk and pudding mix; beat at low speed 1 minute. Layer 1/3 of pudding mixture, half of wafers, and half of bananas in 1 1/2 quart serving bowl; repeat layers. Top with remaining pudding. Cover surface with wax paper or plastic wrap. Chill. Garnish with additional banana slices and wafers.