1 (14 oz.) can sweetened condensed milk (NOT evaporated)
1 1/2 c. cold water
1 pkg. instant vanilla flavor pudding mix
2 c. whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced and dipped in lemon juice

In large bowl combine sweetened condensed milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mix into 2 1/2-quart glass serving bowl. Top with 1/3 each of wafers, bananas and pudding. Repeat layering twice, ending with pudding. Cove and chill. Garnish as desired.