1 lg. box instant vanilla pudding
3 c. cold milk
14 oz. sweetened condensed milk
8 oz. container whipped topping, thawed
6 lg. bananas, sliced
8 oz. cream cheese
1 tsp. vanilla
16 oz. box vanilla wafers

In a large bowl, combine 3 cups milk with vanilla pudding mix. Mix thoroughly and refrigerate to set. In another bowl, mix softened cream cheese with sweetened condensed milk and vanilla, blending until smooth. Fold half of whipped topping into your pudding, then follow with cream cheese mixture and bananas.

Now arrange vanilla wafers in a large bowl and alternate with layers of pudding mixture. Top with the remaining half of whipped topping, and decorate with finely crushed vanilla wafers and/or cherries, if you like. This makes 12 large servings.