Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
     1/3  cup           Milk
   1      cup           Cream cheese -- (I cube mine)
     1/4  cup           Margarine -- or butter
   1                    Egg
   3      tablespoons   Sugar
   1      teaspoon      Salt
   3      cups          Bread flour
   2 1/2  teaspoons     Yeast

Preparation:

I cook this on the light crust setting and if you want to add choc chips, raisins or other dried fruits, use the setting for adding these at the beep.