Mix flour, nuts and margarine; press onto bottom of 13x9-inch pan.
Bake 15 min. or until lightly browned. Cool.
Beat neufchatel cheese and sugar with mixer until well blended. Stir in 1 cup COOL WHIP; spread over crust.
Beat pudding mixes and milk with whisk 2 min.; spread over cream cheese layer. Top with remaining COOL WHIP. Refrigerate several hours or until chilled.