2 graham cracker crusts
3 (8 oz.) pkg. softened cream cheese
1 (14 oz.) can Eagle Brand condensed milk
3 eggs
2 tsp. vanilla
1 c. miniature chocolate chips
1 tsp. flour

Preheat oven to 300 degrees. In large mixer bowl, beat cheese until fluffy. Add Eagle Brand milk, beat until smooth. Add eggs and vanilla, mix well.

In small bowl, toss together 1/2 cup chocolate chips and flour to coat; stir into cheese mixture. Pour into crusts; sprinkle remaining chips. Bake 1 hour. Cool to room temperature and chill.