1 (14 oz.) can Eagle Brand condensed milk
1 1/2 c. cold water
1 (3 1/2 oz.) pkg. instant vanilla pudding mix
2 c. (1 pt.) Cool Whip
36 vanilla wafers
3 med. bananas, sliced & dipped in lemon juice concentrate

In a large bowl combine sweetened condensed milk and water. Add pudding mix and beat well. Chill 5 minutes. Fold in Cool Whip. Spoon 1 cup of pudding mixture into a 2 1/2 quart bowl. Top with 1/3 each of vanilla wafers, bananas and pudding. Repeat layering twice ending with pudding. Chill. Garnish as desired. Serves 8-10.