1Melt the chocolate in a heatproof bowl over a pot of simmering water or in the microwave, stirring occasionally until smooth.
In a shallow dish, whisk together the melted chocolate, sugar, and milk until well combined.
Dip each slice of bread into the chocolate mixture, ensuring both sides are well coated.
Heat the oil in a large skillet over medium heat.
Place the coated bread slices in the skillet and cook for 2-3 minutes on each side, or until golden brown and crispy.
Remove from the skillet and serve warm, optionally with a dusting of powdered sugar or a drizzle of syrup.