Mix first 5 ingredients. In another bowl, mix the remainder together.
Fill pans with the second mixture and then top with the cream cheese mixture.
Bake at 350ºF for 25 to 30 minutes. Remove from oven and while hot, add one square of a milk chocolate bar on top of each.
Notes
This recipe comes from a fantastic cookbook prepared by the Friends of the Grist Mill in 2003 based on some of the most popular recipes in the Tea Room.