1 1/2 c. flour
1 stick soft butter (1/2 c.)
8 oz. cream cheese, softened
1/2 of 12 oz. Cool Whip
2 boxes instant chocolate pudding
3 c. milk

Crumble flour and butter together; spread in bottom of 9 x 13 inch pan. Bake at 350 degrees for 15 minutes or until slightly brown, then cool. Mix together cream cheese and Cool Whip; spread on cooled crust. Mix pudding and milk; whip. Spread over Cool Whip mixture. Spread rest of Cool Whip over pudding (you might need more Cool Whip). Chill overnight. Place sliced bananas over Cool Whip-cheese mixture. Use banana cream pudding (instant) instead of chocolate pudding.