From the kitchen of Santina Mullins Hale
1 can sweetened condensed milk
1 1/2 cups cold water
1 small box instant vanilla pudding
2 cups whipping cream, whipped
36 vanilla wafers
3 medium bananas
Combine sweetened condensed milk and water.
Add pudding and beat well.
Let chill 5 minutes.
Fold in whipped cream.
Spoon 1 cup pudding mixture into bowl and top with bananas.
Add vanilla wafers.
Keep layering until ingredients are gone.
Garnish with Cool Whip and cookie crumbs.