1 (14 oz.) can Eagle Brand condensed milk
1 1/2 c. cold water
1 (3 1/2 oz.) instant vanilla pudding
2 c. (1 pt.) Cool Whip
36 vanilla wafers
3 med. bananas (sliced and dipped in lemon juice)

Combine condensed milk and water. Add pudding mix; beat until well blended. Chill 5 minutes. Fold in Cool Whip. Spoon 1 cup pudding mixture into 2 1/2 quart round glass serving bowl. Top with 1/3 each of vanilla wafers, bananas, and pudding. Repeat layering twice, ending with pudding mixture. Chill thoroughly. Garnish as desired.