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1 (14-ounce) can sweetened condensed milk
1 1/2 cups cold water
1 small (3.4-ounce) package instant vanilla
pudding mix
1 (12-ounce) container Cool Whip
Vanilla wafers
3 bananas, sliced and dipped in lemon juice

In a large bowl, combine milk and pudding. Mix until well
blended. Gradually add cold water, blending well. Chill 5
minutes. Fold in whipped topping. Spoon 1 cup of pudding mixture
into a 2 1/2-quart glass dish. Top with 1/3 each of vanilla
wafers, bananas, and pudding. Repeat layering twice, ending with
pudding. Chill thoroughly.

Yield: 10-12 servings.

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