1/2 c. milk
3 tbsp. vegetable oil
1 egg
1 1/2 c. Bisquick
3/4 c. shredded Cheddar cheese
1/2 c. chopped full cooked smoked ham
1/3 c. chopped green pepper
1/3 c. chopped onion

Heat oven to 400 degrees. Grease and flour 12 medium muffin cups. Beat milk, oil and egg slightly in large bowl. Stir in remaining ingredients with fork until moistened. Divide batter evenly among cups. Bake 15 to 20 minutes until golden brown.