Preheat griddle or non stick pan on medium heat.

Mix flour, graham cracker, baking powder and sugar in a large bowl.

Whisk together milk, water, oil, vanilla and egg in a small bowl.

Add milk mixture to flour and mix well.

Stir in chocolate chips.

Cook on griddle or in non stick pan till bubbles form and break about 3 minutes

Then flip and cook for 2 minutes more or until brown.

When pancakes are done make a stack of three pancakes adding 2 tablespoons of marshmallow cream in between each layer!

Serve and ENJOY!