3 c flour
               1 c sugar
               4 tsp. baking powder
               1 tsp. salt
               1 tsp. cinnamon
               1 tsp. cloves
               1 1/2 c milk
               1 egg
               2 Tbs. oil
               1 1/2 c apples-unpeeled and diced

               Preheat oven to 350*.  Grease 9x5 inch loaf pan. Mix together wet
               ingredients with the dry ones until well blended.  Pour into loaf
               pan and bake for 1 hour and 20 min.