1 (14 oz.) can Eagle Brand sweetened condensed milk (not evaporated milk)
1 1/2 c. cold water
1 (4 serving) pkg. instant vanilla flavor pudding & pie filling mix
2 c. (1 pt.) whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced & dipped in lemon juice

In large bowl combine sweetened 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 wafers, bananas and pudding. Repeat layers twice, ending with pudding. Garnish as desired. Refrigerate.