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

In large mixing bowl, combine milk and water. Add pudding mix; beat until well blended. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mix into 2 1/2 quart glass dish. Top with 1/3 each vanilla wafers and bananas. Then pudding mix again. Layer twice, ending with pudding mix. Chill thoroughly. Garnish if desired. Chill leftovers.