1 (14 oz.) can Eagle Brand sweetened condensed milk (not evaporated milk)
1 1/2 c. cold water
1 (4-serving size) pkg. instant vanilla flavored pudding mix
2 c. (1 ptsp.) whipping cream, whipped
36 vanilla wafers or however many you need
3 medium bananas, sliced and dipped in ReaLemon lemon juice from concentrate

In large bowl, combine Eagle Brand 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, bananas and pudding. Repeat layering twice, ending with pudding. Cover; chill. Garnish as desired. Refrigerate leftovers.