1 (5 oz.) box instant vanilla pudding
1 1/2 cups milk
1/2 (14 oz.) can Eagle Brand sweetened condensed milk
1 (12 oz.) tub Cool Whip
1 (8 oz.) pkg. cream cheese
4 or 5 bananas, sliced
vanilla wafers

Mix vanilla pudding with milk and sweetened condensed milk, place in the in the refrigerator for 15 minutes.

In another bowl mix Cool Whip and cream cheese. Fold in pudding and whip until smooth. Layer with bananas and vanilla wafers.

Submitted by: Robin Williams