1 pkg. vanilla instant pudding
1 pkg. banana cream instant pudding
3 1/2 c. milk
1 pkg. Philadelphia cream cheese

Beat all together. Line bowl with vanilla wafers then bananas.

Add 3/4 of large Cool Whip to pudding mixture. Pour into bowl. Add remaining Cool Whip on to. Sprinkle with crushed vanilla wafers. Let set couple of hours.