1 (14 oz.) can Eagle Brand sweetened condensed milk, not evaporated milk
1 1/2 c. cold water
1 (4 serving size) pkg. instant vanilla flavor pudding mix
2 c. Borden whipping cream, whipped (1 pt.)
36 vanilla wafers
3 med. bananas, sliced and dipped in ReaLemon lemon juice from concentrate

In large bowl, combine sweetened condensed milk and water. Add pudding mix, beat well. Chill 5 minutes. Fold in whipped cream. Spoon 1 cup pudding mixture into 2 1/2 quart glass serving bowl, top with 1/3 each of the wafers, bananas, and pudding. Repeat layering twice, ending with pudding. Cover and chill. Garnish as desired. Refrigerate leftovers.