1 package  sugar-free fat-free instant vanilla pudding
2 cups milk, 1% lowfat or fat-free
2 cups Cool Whip Free
2 small  bananas -- sliced 1/4-inch thick
4 each  graham cracker planks -- break into squares

Mix FF/SF Instant Vanilla Pudding Mix with milk, according to package directions.
Fold in Cool Whip Free.
Spoon 2 tbls pudding into each bowl.
Top with graham cracker square
Add slices of banana
Spoon 2 tbls pudding over bananas
Repeat cracker, banana slices, pudding.
Cover each dish with plastic wrap and put dish into refrigerator.