Mix together:
2 cups flour
¾ cups sugar
3 tsp baking powder
¼ tsp soda
1 tsp cinnamon
¼ tsp nutmeg
½ tsp salt

Beat together & then add to above
½ cup milk
¼ cup oil
2 eggs

Add:
1 ½ cups finely chopped apple

Sprinkle with:
¼ cup sugar & ½ tsp cinnamon

Bake 20 min @ 400.