1 (14 oz.) can sweetened condensed milk
1 1/2 c. water
1 (4 serving size) package instant vanilla flavor pudding mix
2 c. (1 pint) whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced and 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 bowl. Top with one third each of the wafers, bananas and pudding. Repeat layering twice ending with pudding. Chill. Refrigerate leftovers.