1 (14 oz.) can sweetened condensed milk, NOT evaporated
1 1/2 c. cold water
1 sm. pkg. instant vanilla pudding mix
2 c. whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced & sprinkled with lemon juice

In a 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, banana and pudding. Repeat layering twice, ending with pudding. Cover; chill. Garnish as desired. Refrigerate leftovers. Yield: 8 to 10 servings.