1 (9 inch) graham cracker crust
2 bananas
1 (8 oz.) pkg. cream cheese
2 c. milk
1 (3 1/4 oz.) pkg. instant vanilla pudding mix

Slice bananas in graham cracker crust. Gradually add 1/2 cup milk to softened cream cheese, mixing until well blended. Add pudding mix and remaining milk. Beat slowly 1 minute. Pour into crust. Chill. Garnish with coconut, shaved chocolate, or nuts.