1 (14 oz.) can condensed milk
1 pkg. instant vanilla pudding
2 c. whipping cream whipped
1 1/2 c. cold water
36 vanilla wafers
3 bananas, sliced and dipped in lemon juice

Combine milk and water, add pudding, beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into 2 1/2 quart serving bowl. Top with 1/3 of wafers, bananas and pudding. Repeat layering twice ending with pudding. Chill. 8 to 10 servings.