In a non-stick pan over medium high heat cook bacon or ham ( if you use ham then use 3 tablespoons cooking oil.)
Leave about 2 tbs bacon grease in the pan, add flour and whisk.
Continue to whisk until flour/fat mixture is hot and bubbly and becomes the color of caramel.
Slowly add milk and Worcestershire sauce, continuously whisking to blend.
Add crumbles bacon or ham, boil for one minute then remove from heat.
Season with pepper and salt if necessary.
Cut toast on the diagonal, and lay 2 slices on each plate slightly overlapping each other.
Ladle a ½ cup of gravy over the toast. Or serve over mashed potatoes.