3 small pkg. vanilla instant pudding
3 1/2 c. milk
8 oz. whipped cream cheese
12 oz. Cool Whip
6 bananas
1 box vanilla wafers

Combine pudding and milk; mix well and let set until thickens. Add cream cheese and Cool Whip. Layer cookies, bananas and pudding, ending up with pudding on top. May crumble up wafers on top. Chill for approximately 4 hours before serving.