1 1/2 cups flour
1 stick soft butter
8 oz. cream cheese, softened
1/2 of 12 oz. Cool Whip
2 boxes instant chocolate pudding
3 cups milk

Mix flour and butter together. Spread mixture in the bottom of a 9 x 13 inch pan.

Bake at 350°F for 15 minutes or until lightly golden, then allow to cool.

Combine the cream cheese and Cool Whip; spread over the cooled crust.

Stir together pudding and milk; whip. Spread over Cool Whip mixture.

Spread the remaining Cool Whip over pudding and chill overnight before serving. The next day, top with chocolate whipped cream and sprinkle with chocolate curls or sliced bananas.

Banana cream pudding (instant) can be substituted for chocolate pudding. Banana yogurt can also be used.