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 flavor pudding mix
2 c. (1 ptsp.) whipping cream, whipped
approximately 36 vanilla wafers or graham crackers if you prefer
3 medium bananas, sliced and dipped in ReaLemon juice

In a large bowl, combine milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in whipped cream.

Layer pudding mix, wafers, bananas and pudding. Repeat layering twice, ending with pudding. Cover and chill.

Makes 8 to 10 servings. Refrigerate leftovers.