MIX flour, baking powder, cinnamon and salt in large bowl. Mix cereal and milk in another bowl; let stand 3 minutes. Into cereal mixture, stir egg, brown sugar and oil.

ADD to flour mixture; stir just until moistened. (Batter will be lumpy.) Stir in chopped chocolate. Spoon batter into greased or paper-lined muffin pan, filling each cup 2/3 full.

BAKE 20 minutes or until golden brown. Serve warm, or cool and package for gift-giving. Makes 12 muffins.

Chocolate Chunk Banana Muffins: Prepare as directed above, using 2-1/2 cups Post Selects Banana Nut Crunch cereal for the Post Selects Blueberry Morning cereal and 2 squares (2 oz.) semi-sweet baking chocolate for the white chocolate.