1 (14 oz.) can Eagle Brand Sweetened condensed milk (NOT EVAPORATED)
1 1/2 c. cold water
1 (4 serving size) pkg. instant vanilla flavor pudding mix
2 c. (1 pt.) Borden whipping cream (whipped) or Cool Whip
36 vanilla wafers
3 med. bananas, sliced and dipped in real 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 mixture into 2 1/2 quart glass bowl. Top with 1/3 each wafers, bananas and pudding. Repeat layers. Cover. Chill and garnish as desired. Keep refrigerated.