1 can sweetened condensed milk
1 1/2 c. cold water
1 pkg. vanilla instant pudding
2 c. whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced and dipped in lemon juice

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 serving bowl. Top with 1/3 of wafers, 1/3 of bananas and 1/3 of pudding. Repeat layering twice, ending with pudding. Chill. Garnish as desired. 8-10 servings. Refrigerate leftovers.