Cream all ingredients but chips together; stir in chips.
Preheat oven to 350 degrees F. Line muffin tins with paper liners. Sift together dry ingredients; add wet ingredients and 1 cup water. Spoon cupcake batter into liners, filling them about three-fourths full. Drop a small dollop of filling on top of each cupcake. Bake for 20 minutes.
By Trudy from Springfield, IL
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