Cheddar and Ham Muffins

Ingredients

3/4 cup low-fat sharp Cheddar cheese
1/4 cup fresh grated Parmesan cheese
1 3/4 cup reduced fat baking mix
1 cup low-fat skim milk
1/2 teaspoon black pepper
1/4 cup low-fat ham, finely chopped
I add a pinch of garlic salt

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