Double delicious halloween bars

1/2  Cup           margarine or butter
   1 1/2  Cups          graham cracker crumbs
   1      (14 Oz.) Can  sweetened condensed milk
   1      (12 Oz.) Pac  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.