1 pkg. (8 oz.) cream cheese, softened
2 1/4 c. milk
1 pkg. (3 1/2 oz.) vanilla instant pudding
24 vanilla wafers
2 c. banana slices

Combine cream cheese and 1/2 cup milk, mixing at medium speed until well blended. Add remaining milk and pudding mix. Beat at low speed 1 minute. Layer 1/3 of pudding mixture, 1/2 of wafers and 1/2 of bananas in 1 1/2 quart serving bowl; repeat layers. Top with remaining pudding, cover and chill. Garnish with additional banana slices and wafers.