1 1/2 stick butter
1 1/2 c. plain flour
1 c. chopped pecans

Melt butter in 9 x 13 inch baking dish. Remove from oven and add flour and pecans. Return to oven and bake 15 minutes at 350 degrees. Remove and cool.

2nd Layer:
1 (8 oz.) pkg. softened cream cheese
1 c. powdered sugar
1 (8 oz.) container Cool Whip

Mix well and spread on 1st layer.

3rd Layer:

Cover with sliced bananas. (You may use pie filling like cherry or blueberry in place of bananas.)

4th Layer:
3 c. cold plain milk
1 lg. box vanilla instant pudding

Mix. Beat 3 minutes and put on top of banana layer. Cover with 8 ounces of Cool Whip. Sprinkle with chopped pecans. Refrigerate.

Another variation: She sometimes uses 3/4 cup peanut butter in cream cheese layer and omits bananas; using chocolate pudding instead of vanilla.