Instructions: Heat oven to 350 F. Grease 9x5x3-inch loaf pan. In large mixer bowl, beat butter and sugar until light and fluffy. Add eggs and vanilla; beat well.

Stir together flour, baking powder, cinnamon, baking soda, cloves and salt; add alternately with milk to butter mixture, beating until well blended.

Gently fold in apples and small chocolate chips. Spoon batter into prepared pan. Sprinkle STREUSEL TOPPING over top. Bake 1 hour and 10 to 15 minutes or until wooden pick inserted in center comes out clean. Cool 10 minutes; remove from pan to wire rack. Turn right side up. Drizzle SEMI-SWEET CHOCOLATE GLAZE over top, if desired. Allow glaze to set before cutting cake. 12 servings.

STREUSEL TOPPING:
In small bowl, stir togther 1/3 cup all-purpose flour and 3 tablespoons sugar; cut in 2 tablespoons butter or margarine to form fine crumbs.

SEMI-SWEET CHOCOLATE GLAZE:
In small microwave-safe bowl, place 3 tablespoons HERSHEYS MINI CHIPS Semi-Sweet Chocolate and 1/2 teaspoon shortening. Microwave at HIGH (100%)

30 to 45 seconds or until chips are melted when stirred.

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