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1. Preheat oven to 350 F.
2. In a large bowl, combine the flour, sugar, both pudding mixes, baking powder and salt.
3. Combine the water, eggs, oil, and vanilla; stir into the dry ingredients just until moistened.
4. Fill greased or paper-lined muffin cups 2/3 full.
5. Combine the topping ingredients; sprinkle over batter.
6. Bake for 15 to 20 minutes or until toothpick comes out clean.
7. Cool for 5 minutes before removing from pans to wire racks.
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