Ingredients:
3/4 cup low-fat sharp Cheddar cheese
1/4 cup fresh grated Parmesan cheese
1 3/4 cup reduced fat all-purpose baking mix
1 cup low-fat skim milk
1/2 teaspoon black pepper
1/4 cup low-fat ham, finely chopped

Directions:

• Preheat oven to 400°F.
• Mix cheeses, milk, and baking mix together; add pepper and ham.
• Mix well and spoon into lined muffin pans 1/2 full.
• Bake 12-15 minutes or until golden brown.

Yields 9 Muffins.

Nutritional Information:
140 calories, 8 g protein, 18 g carbohydrate, 4 g fat (2 g saturated fat), 10 mg cholesterol, 20% Daily Value of calcium, 470 mg sodium.