1 can sweetened condensed milk
1 1/2 c. cold water
1 sm. pkg. instant vanilla pudding & pie filling mix
2 c. cream, whipped
35 vanilla wafers
3 med. bananas, sliced

Combine sweetened milk and water. Add pudding mix and beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into serving dish. Top with 1/3 wafers and 1 sliced banana. Repeat layers twice, ending with pudding. Chill thoroughly.