triple layer chocolate bars

1-1/2 cups graham cracker crumbs
1/2 cup cocoa, divided
1/4 cup sugar
1/3 cup butter or margarine, melted
1 14 oz. can Eagle Brand condensed milk
1/4 cup flour
1 egg
1 teaspoon vanilla
1/2 teaspoon baking powder
3/4 cup chopped nuts
2 cups (12 oz. pkg.) chocolate chips

Heat oven to 350. Combine crumbs, 1/4 cup cocoa, sugar and butter. Press firmly on bottom of 13 x 9 inch baking pan. In large mixing bowl, beat sweetened condensed milk, flour, remaining 1/4 cup cocoa, egg, vanilla and baking powder. Stir in nuts. Spread evenly over prepared crust. Top with chocolate chips. Bake 20-25 minutes or until set. Cool; cut into bars. Store tightly covered at room temperature.

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