Banana Pudding Squares *

 35 nilla wafers, finely crushed

1/4 cup butter, melted

1 pkg (8 oz) cream cheese, softened

1/2 cup powdered sugar

1 tub (8 oz) cool whip

3 bananas, sliced

2 pkg (1 oz each) vanilla flavor sugar free instant pudding

3 cups cold milk

1/3 cup mini chocolate chips, semi sweet (or 1/2 square of bakers semi sweet chocolate, grated)

Mix crumbs and margarine; press onto bottom of 8x11 dish.  Refrigerate.  Beat cream cheese and sugar in bowl and whisk until blended.  Stir in 1 1/2 cups cool whip; spread over crust.  Top with bananas.  Beat pudding mixes and milk with whisk 2 minutes; spread over bananas. Top with remaining cool whip and chocolate.  Refrigerate 3 hours.

Makes 24 servings