Chocolate Cream Tarts

Chocolate Cream Tarts was pinched from <a href="http://www.eaglebrand.com/recipes/details/?RecipeId=4457" target="_blank">www.eaglebrand.com.</a>
INGREDIENTS
1 (14 oz.) can Eagle Brand® Sweetened Condensed Milk
1/4 cup cold water
1 (4-serving size) package instant chocolate pudding mix
1/4 cup unsweetened cocoa powder
1 cup (1/2 pt.) heavy cream, whipped
10 to 12 (3-inch) prepared tart-sized crusts
Fresh fruit
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