1 (14 oz.) can condensed milk
1 1/2 c. cold water
1 (3 3/4 oz.) pkg. instant vanilla pudding and pie filling
1 (8 oz.) container sour cream
1 c. whipping cream, whipped or 2 c. (thawed) non-dairy topping
32 vanilla wafers
3 lg. bananas
3/4 c. plus 2 tbsp. chocolate syrup
Chopped nuts, optional

In large bowl, combine condensed milk and water; mix well. Add pudding mix; beat until well blended. Chill for 5 minutes. Stir in sour cream. Fold in whipped cream. Cover bottom and sides of 2 quart glass serving bowl with vanilla wafers.

Slice 2 bananas; line bottom with one third of the banana slices. Top with 1/4 cup syrup and one third of pudding mixture. Repeat layering of bananas, syrup and pudding twice, ending with pudding mixture.

Drizzle remaining syrup over top; swirl with knife. Chill for 3 hours or until set. Before serving, slice remaining banana; garnish with banana slices and chopped nuts if desired.