1 pkg. instant vanilla pudding
1 c. buttermilk
1 (20 oz.) can crushed pineapple
1 sm. can mandarin oranges
1 (12 oz.) Cool Whip
1/2 pkg. chocolate covered graham cookies

Combine pudding mix and buttermilk. Add drained pineapple and oranges. Fold in Cool Whip. One half hour to 1 hour before serving, add cookies (broken in fourths).