COVER bottom of 13x9-inch pan with grahams.
BEAT cream cheese in large bowl with mixer until creamy. Gradually add milk, mixing until well blended after each addition. Add dry pudding mix; beat 1 min. Gently stir in half the COOL WHIP; spread over grahams. Cover with remaining COOL WHIP and fruit.
REFRIGERATE several hours. Top with coconut just before serving.