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

In large mixing bowl, combine milk and water. Add pudding mix, beat until well blended. Chill 5 minutes. Fold in whipping cream. Spoon 1 cup pudding mixture into 2 1/2 quart round glass serving bowl. Top with 1/3 each of the vanilla wafers, bananas, then more pudding. Repeat layering twice, ending with pudding. Chill thoroughly. Garnish as desired. Refrigerate left overs.

Suggested garnish - crush vanilla wafers (4-6). Sprinkle over top pudding.