First Layer: Dissolve jello in water. Drain pineapple, reserving juice. Add pineapple to jello and slice bananas over top. Let harden in refrigerator. Second Layer: Cook all ingredients together until thick. Let cool. Then spread on top of jello mixture. Third Layer: Mix Dream Whip and milk and beat until stiff. Add softened cream cheese and whip well. Spread on jello mixture Grate cheese on top if desired. Use dish 13x9x2 From The Cookie Lady's Files Resubmitted by The.LaRK