Prep Time: 15 minutes - Makes 12 (3-inch) hearts
| 1 1/4 | cups | unsifted flour, divided |
| 1/4 | cups | sugar |
| 1/2 | cup | cold margarine or butter |
| 1 | (14-oz) can | Eagle Brand Sweetened Condensed Milk, (NOT evaporated milk) |
| 1/4 | cup | unsweetened cocoa |
| 1 | egg | |
| 1 | teaspoon | vanilla extract |
| 1/2 | teaspoon | baking powder |
| 1 | (8-oz) | milk chocolate bar, broken into chunks |
| 3/4 | cups | chopped nuts (optional) |
| Decorate bars with white icing or gels if desired |