2 1/2 C. flour
2 t. baking powder
1/2 t. salt
3/4 t. cinnamon
1/2 t. nutmeg
1/2 C. sugar
1/4 C. vegetable oil
2 eggs
3/4 C. milk
2 C. apples, peeled and chopped
2 C. (8 oz.) shredded cheese

Sift together dry ingredients into bowl. Make a well and add oil, eggs and milk. Mix only until blended. Fold in chopped apples, nuts and cheese. Pour into a well-greased loaf pan. Bake at 350 degrees for 60-70 min.