1/2 Cup margarine or butter
1 1/2 Cups graham cracker crumbs
1 (14 Oz.) Can sweetened condensed milk
1 (12 Oz.) Package milk chocolate chips
1 Cup peanut butter chips
Preheat oven to 350 degrees (325 degrees for glass dish). In 13 x 9 inch baking pan, melt margarine in oven. Sprinkle crumbs evenly over margarine; pour sweetened condensed milk evenly over crumbs.
Top with chips; press down firmly. Bake 25 to 30 minutes or until lightly browned.
Cool. Cut into bars.