1 (8 oz.) package cream cheese
1 (3 1/2 oz.) package instant banana or vanilla pudding
24 vanilla wafers
2 1/4 c. milk
2 c. bananas sliced

Combine cream cheese and 1/2 C. milk at medium speed; blend well. Add remaining milk and pudding mix. Beat 1 minute on low.

Layer 1/3 pudding bowl. Mix 1/2 wafers and 1/2 bananas in layers.

Garnish with Cool Whip if desired.