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Ham and Cheese Muffins

1/2 c. milk
3 tbsp. oil
1 egg
1 1/2 c. baking mix
1 c. Cheddar cheese
3/4 c. chopped ham
1/2 c. chopped green pepper
1/2 c. chopped onions

Heat oven to 400 degrees. Grease and flour 12 muffin cups. Beat milk, oil, and egg until moistened; add remaining ingredients. Stir with fork. Divide batter among cups. Bake until golden brown. Serve warm. This is great with scrambled eggs.

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