Notcha Momma's Banana Pudding

2 bags Pepperidge Farm Chessmen cookies (or vanilla wafers)
6-8 bananas-sliced (we like to do half bananas, and half strawberries)
2 cups milk
1 (5oz) box instant french vanilla pudding
1 (8 oz) pkg cream cheese, softened
1 (14 oz) can sweetened condensed milk
1 (12 oz) container whipped topping

Line the bottom of a 13x9x2 pan with 1 bag of cookies and layer bananas on top.
In a bowl, combine the milk and pudding mix and blend well using a handheld mixer. Using another bowl, combine the cream cheese and condensed milk together and mix until smooth.
Fold the whipped topping into the cream cheese mixture. Add the cream cheese mixture to the pudding and stir until well blended.
Pour the mixture over the cookies and bananas and cover with remaning cookies.