In a small mixing bowl, beat eggs and milk together until frothy.
Add salt and pepper.
Pour into greased baking sheet or casserole dish and bake at 350 degrees for about 15 minutes, until set.
Allow to cool, then slice.
Assemble bagels with toppings (cheese, ham, etc.) and either store in a covered casserole dish in the fridge OR to serve immediately: open both sides of each bagel, arrange on a sheet pan and broil for 2 minutes on LOW.