1 (4 oz.) instant chocolate pudding
1 (14 oz.) can sweetened condensed milk
1 c. cold water
1/2 pt. whipping cream, whipped

In large mixing bowl, beat condensed milk, pudding mix and water. Chill 5 minutes. Fold in whipped cream. Spoon into serving dishes. Chill. Garnish as desired. Serves 8 to 10.