2 c. all-purpose flour
1 tbsp. baking powder
1/2 tsp. baking soda
1 c. milk
1/2 c. mayonnaise
1/2 c. ham, cooked and finely chopped
1/2 c. cheese, shredded

In a large bowl, combine flour, baking powder and baking soda. Combine remaining ingredients. Stir into dry ingredients until just moistened. Fill greased or paper lined muffin cups 2/3 full.

Bake at 425°F for 16 to 18 minutes or until done.