1 can (14 oz.) condensed milk
1 1/2 c. cold water
1 pkg. (4 serving) size instant vanilla pudding mix
2 c. whipped cream
36 vanilla wafers
3 med. bananas, sliced and dipped in lemon juice

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 one third each of the wafers, bananas and pudding. Repeat, layering twice, ending with pudding. Chill thoroughly.