1 (14 oz.) can Eagle Brand sweetened condensed milk
1 1/2 c. cold water
1 (4 serving) pkg. instant vanilla flavor pudding
2 c. whipping cream, whipped
36 vanilla wafers
3 med. bananas, sliced & dipped in real lemon
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 layers twice, ending with pudding. Chill garnish as desired. Refrigerate leftovers.