Banana Pudding Dessert

1 Package cream cheese, softened
1 Can sweetened condensed milk
1 Cup cold milk
1 Package instant vanilla pudding mix
1 Carton frozen whipped topping thawed
52 Vanilla wafers
4 Bananas, sliced

In a mixing bowl, beat cream cheese until smooth. Beat in condensed milk, set aside.
In another bowl whisk milk & pudding mix, add to cream cheese mixture. Fold in whipped topping.
Place 1/3 of the vanilla wafer in 2 1/2 quart glass bowl. Top with 1/3 of the bananas and pudding mixture. Repeat layers twice. Refrigerate before serving.