1 (14 oz.) can sweetened condensed milk (not evaporated milk)
1 1/2 c. cold water
1 (0.9 oz.) pkg. instant vanilla pudding mix
2 c. whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced

Combine sweetened condensed milk and water in large bowl. Add pudding mix; beat well. Chill 5 minutes. Fold in whipped cream.

Spoon 1 cup pudding mixture into 2 1/2 quart serving bowl. Top with 1/3 each of the wafers, bananas and pudding. Repeat layering twice, ending with pudding. Cover; chill. Garnish as desired. Refrigerate leftovers. Makes 8 servings.