In a small saucepan over medium-high heat, add the oats and water or milk. Bring the mixture to a gentle simmer, stirring occasionally. Cook for 3 to 5 minutes until the oats are cooked and have achieved a thick consistency, turn off the heat.

Add half of the diced strawberries and sliced bananas into the cooked oatmeal and stir.

Divide the oatmeal mixture into 4 bowls and top with the remaining fresh fruit.