1 (14 oz.) can sweetened condensed milk
1 1/2 c. water
1 (4 serving size) vanilla instant pudding
2 c. whipping cream, whipped
36 vanilla wafer cookies
3 med. bananas, sliced & dipped in lemon juice

In large bowl, combine sweet milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in whipping cream. Spoon 1 cup pudding mix in 2 1/2 quart serving bowl. Top with 1/3 each of the wafers, bananas and pudding. Repeat layering twice, ending with pudding. Chill.