1 (14 oz.) can Eagle Brand milk
1 1/2 c. cold water
1 sm. pkg. instant vanilla pudding
1 (8 oz.) carton Cool Whip
36 vanilla wafers
3 med. bananas

In large bowl, combine condensed milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in Cool Whip. Spoon 1 cup pudding mixture into 2 1/2 quart bowl. Top with 1/3 each of the wafers, bananas and pudding. Repeat layering twice, ending with pudding. Chill well.