1 (8 oz.) pkg. cream cheese, softened
2 1/4 c. cold milk
1 (3 1/2 oz.) pkg. vanilla instant pudding & pie filling
24 or more vanilla wafers
2 c. or more banana slices (3 lg. bananas)

Combine cream cheese and 1/2 cup milk and mix at medium speed with mixer until well blended. Add remaining milk and pudding mix; beat at low speed 1 minute. Layer 1/3 of pudding mixture, half of wafers and half of banana slices in a 2 quart serving bowl; repeat layers. Top with remaining pudding. Cover surface with wax paper or plastic wrap. Refrigerate.