1 (14 oz.) can Eagle Brand sweetened condensed milk
1 1/2 c. cool water
1 small pkg. vanilla instant pudding
2 c. whipping cream, whipped
36 vanilla wafers
3 medium bananas, dipped in lemon juice

In large bowl, combine sweetened milk and water. Add pudding and mix well. Chill 5 minutes. Fold in whipping cream. Spoon 1 cup mixture in 2 1/2-quart glass bowl. Top 1/3 each with wafers, bananas and pudding. Repeat, ending with pudding.