Batter : Mix first 5 dry ingredients in a large bowl. Mix the next 3 wet ingredients and add to dry. Beat 2 minutes or till combined.Filling: In a small bowl, mix cream cheese, sugar, egg until smooth and creamy.Stir in choc chips. Fill muffin paper lined cups 2/3 full of batter. Drop in level tablesoon of filling. Bake 20 - 25 minutes.