Our Own Napoleon

1-1/2 cups cold milk
1 (4-serving) package instant vanilla pudding
1/2 cup creamy peanut butter
1 (8-ounce) container frozen whipped topping, thawed
24 graham crackers
1 cup semisweet chocolate chips
2 tablespoons butter

In a large bowl, combine milk and pudding; beat with a wire whisk for 2 minutes, or until slightly thickened. Add peanut butter; mix well. Stir in whipped topping; set aside.
In a 9" x 13" baking dish, layer one-third of the graham crackers and half the pudding mixture. Repeat layers and top with remaining graham crackers.
In a microwave-safe bowl, combine chocolate chips and butter, and microwave 2 minutes, or until mixture is completely melted. Stir then spread immediately over graham crackers. Chill at least 8 hours before serving.