1 c. flour
1/2 c. butter, softened
8 oz. softened cream cheese
1 c. powdered sugar
16 oz. Cool Whip, thawed
4 bananas
6 oz. vanilla instant pudding mix
3 c. milk

Heat oven to 375°. In medium bowl, combine flour and butter. Spread on bottom of 9 x 13 pan. Bake 10 to 15 minutes or until golden brown. Cool.

In small bowl, beat cream cheese and powdered sugar until smooth. Fold in half of Cool Whip. Spread over crust. Slice bananas and arrange cream cheese mixture.

In medium bowl, prepare pudding as desired, using 3 cups of milk. Pour over bananas. Spread remaining Cool Whip over pudding. Refrigerate. Makes 16 servings.