1Preheat oven to 375 degrees.
2CRUST: Cream together margarine, flour and cream cheese.
3Divide into 2 balls. Roll each into a rectangle.
4FILLING: Melt chocolate chips and condensed milk. When melted add nuts.
5Pour half of filling on a rectangle and fold dough over and seal on ends and seam. Repeat with other dough rectangle.
6Place seam side down on baking sheet.
7Bake for 20 minutes or until lightly brown.
8When completely cooled, frost with your favorite frosting or glaze and Christmas sprinkles.
9Slice lengthwise through each loaf and then slice across to any width you desire.