1 (14 oz.) pkg. non-evaporated condensed milk
1 1/2 c. water
1 pkg. instant vanilla pudding
2 c. heavy cream, whipped
36 vanilla wafers
3 med. size bananas, sliced

In a large bowl combine milk and water; add pudding gradually and beat well. Chill for 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into serving bowl, top with 1/3 of the wafers, then 1/3 of the bananas. Repeat in layers and chill.