Instructions: To Prepare Batter: Line twelve 2-1/2-inch-diameter muffin pan cups with paper baking cups and set aside. Preheat oven to 400 F.

In mixing bowl combine first 4 ingredients. In 2-cup measure or bowl combine milk, apple, margarine, and egg; pour into dry ingredients and stir until combined (do not beat or overmix; batter should be lumpy). Fill each baking cup with an equal amount of batter (each will be about 2/3 full).

To Prepare Topping and Bake: In small bowl combine all ingredients for topping, stirring until thoroughly combined; sprinkle an equal amount of topping over each muffin and bake for 15 to 20 minutes (until muffins are golden brown and a toothpick, inserted in center, comes out dry). Remove muffins to wire rack and let cool.

Makes 12 Servings, 1 muffin each

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