1 (14 oz.) can Eagle Brand sweetened condensed milk
1 1/2 c. cold water
1 (3 1/2 oz.) pkg. instant vanilla pudding & pie filling mix
2 c. whipping cream, whipped
36 vanilla wafers
3 or 4 med. bananas, sliced & dripped in lemon juice
Whipped cream, set aside

In a large mixing bowl combine condensed milk and water; add pudding mix, beat until well blended. Chill for 5 minutes. Fold in whipped cream. In 2 1/2 quart round glass serving bowl, layer pudding, vanilla wafers and bananas. Chill thoroughly. Garnish as desired.