Virginia Ham Tarts

Directions

1. 1
   Preheat oven to 350 degrees .
2. 2
   Lay one sheet of phyllo on a large cutting board and brush with some of the melted butter.
3. 3
   Repeat with second and third sheets, stacking on top of the previous as you go and ending with fourth sheet unbuttered.
4. 4
   Cut rectangular stack into 48 squares (6 lengthwise cuts.
5. 5
   8 shortwise cuts) and press into muffin tins that have been coated with non-stick spray.
6. 6
   Combine ham, cheese, apple and crumbs in a bowl and press about one tablespoon into each phyllo shell (may be done several hours ahead to this point, wrap and refrigerate).
7. 7
   Bake at 350 for 15 to 20 minutes, until golden brown.