Banana Pudding Squares

50 Nilla wafers, finely crushed
1/4 C. margarine, melted
1 pkg. (8 oz.) cream cheese, softened
1/2 C. powdered sugar
1 tub (8 oz.) Cool Whip, thawed
3 bananas, sliced
2 small pkg. Vanilla instant pudding
3 C. cold milk
1/2 square Baker's semi-sweet chocolate

Mix crumbs and margarine. Press onto bottom of 9x13 pan. Refrigerate until ready to use. Beat cream cheese and powdered sugar in bowl until blended. Stir in 1 1/2 C. Cool Whip. Spread over crust. Top with sliced bananas. Beat pudding mixes and milk with whisk 2 min. Spread over bananas. Top with remaining Cool Whip. Grate chocolate over top. Refrigerate 3 hours.