answer:I just made one for my husband last Friday! Had not made one in years. My mom used to call it a croque, but I am pretty sure our family version does not really meet the standard of a French Croque or a classic Monte Cristo for that matter. I have never tried to find a classic recipe. I just basically make french toast, fry the first side, then flip over the bread and put ham on one piece and cheese on the other. Everything melts, and then put the sandwich together. Yum. I use swiss, like my mom, but for my husband I use Muenster. I would guess you could use fancier cheeses, and other meats. And, I have heard some put a bechemel (sp?) sauce or something similar. I guess you could use a hollandaise also? I make mine with egg whites, and a little egg beater so it is very low in cholesterol.