Instructions: COMBINE first 5 dry ingredients in a large mixing bowl. In separate bowl, combine milk, water and butter.

STIR until butter melts. Beat in egg.

ADD liquid ingredients to dry ingredients. Beat with wooden spoon or electric mixer until smooth and elastic. Add half of remaining flour. Beat well.

STIR in enough remaining flour gradually, to make a soft, non-sticky dough. KNEAD dough on lightly floured board, adding more flour as necessary to make a soft dough. Continue kneading until dough is smooth, elastic and no longer sticky (about 5 minutes).

PLACE in lightly greased bowl. Turn dough to grease top. Cover with greased waxed paper and tea towel.

LET RISE in warm place (75 - 85F / 24 - 29C) until doubled (60-75 minutes). PUNCH DOWN. Turn out onto lightly floured board. In small bowl, combine apples and cinnamon for filling. Knead apple mixture into the dough until evenly distributed.

SHAPE into a loaf. Place seam side down in greased 9" x 5" x 3" (2L) loaf pan. Cover with tea towel.

LET RISE in warm place until dough rises 1" (2.5 cm) above top of pan (60-75 minutes).

BAKE at 375F (190C) on lower oven rack for 25-30 minutes. Cover top of loaf with foil during last 10 minutes if becoming too brown. Remove from pan immediately. Cool on wire rack.

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