1 (14 oz.) can Eagle Brand sweetened condensed milk
1 1/2 c. cold water
1 (4 serving) pkg. instant vanilla flavor pudding and pie mix
2 c. whipping cream (1 pt.)
36 vanilla wafers
4 bananas, slice and dip in lemon juice

In large bowl, combine condensed milk and water; add pudding mix. Beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into 2 1/2 quart glass serving bowl. Top with one third each of the wafers, banana, and pudding. Repeat layers twice, ending with pudding. Chill thoroughly. Garnish as desired, refrigerate leftovers.