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

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 the wafers, bananas and pudding. Repeat layering twice, ending with pudding. Chill. Garnish as desired. Refrigerate. Serves 8-10.