In medium skillet or wok, stir-fry chicken in 1 tablespoon hot oil until tender. Remove from skillet. Heat 1 tablespoon oil in skillet. Add ginger; cook 30 seconds. Add bell pepper, onions, peanuts and crushed red pepper; stir-fry until vegetables are crisp-tender. Combine water, soy sauce, lemon juice and cornstarch. Add chicken and soy sauce mixture to skillet. Stir until thickened. Remove from heat.
Brush one side of each bread round with remaining 2 teaspoons oil; sprinkle with garlic. Toast under broiler. Place 1/4 chicken mixture on each bread round; sprinkle each with 1/2 cup cheese. Broil until cheese is melted.