1 (14 oz.) can condensed milk
1 1/2 c. cold water
1 sm. pkg. vanilla instant pudding mix
1 lg. carton Cool Whip
Vanilla wafers
Bananas, sliced - 3 or 4
1/4 c. lemon juice

Blend milk and water. Add pudding mix; beat until smooth. Chill 5 minutes. Fold in Cool Whip. Layer pudding mixture (1/3) and vanilla wafers in glass dish. Dip bananas in lemon juice and arrange over vanilla wafers. Repeat layers, ending with pudding.