12 slices bread, white or wheat, with crust removed
2 tbsp. butter
3 tbsp. flour
1 1/2 c. boiling milk
Salt and pepper to taste
1/4 tsp. nutmeg
Any of the following: 1 c. grated Swiss cheese or a combination OR 3 tbsp. finely minced, sauteed onion, 1 c. minced ham, or minced mushrooms

Brush both sides of bread with melted butter. Press lightly into muffin tins. Set aside. Make a thick sauce with the next five ingredients. Add any of the next three ingredients. Fill bread cups. Top ham or mushrooms with one teaspoon grated Swiss or Parmesan cheese. Bake in 350 degree oven until bread is crisp and filling bubbling!