1 (14 oz.) can Eagle Brand sweetened condensed milk
1 1/2 c. cold water
1 (4 serving size) pkg. Jello instant vanilla pudding
2 c. whipping cream, whipped
36 or so vanilla wafers
3 med. bananas, sliced and dipped in lemon juice

In large bowl, combine condensed milk and water. Add pudding mix, beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into 2 1/2 quart glass serving bowl. Top with 1/3 each of the wafers, bananas, and pudding. Repeat layering twice, ending with pudding. Chill thoroughly. Garnish as desired. Refrigerate leftover.

NOTE: Mixture can be layered in individual serving dishes.