MOON PIE BANANA PUDDING

MOON PIE BANANA PUDDING 1 (8 ounce) package cream cheese, softened at room temperature 1 (14 ounce) can sweetened condensed milk (not evaporated milk) 2 cups milk 1 (5.1 ounce) box instant vanilla pudding (or a small box each of vanilla and banana) 6 Original or Double-Decker Moon Pies, cut into squares or wedges 6 bananas, sliced 1 (8 ounce) Cool Whip, thawed or equal amount of whipped cream Mix up pudding cream cheese milk then layer pudding moon pies and bananas whip cream on top