1.) In a small bowl, combine the first seven ingredients.

2.) In another bowl, beat the egg, milk and oil. Stir into dry ingredients just until moistened. Fold in apple and banana.

3.) Fill greased muffin cups about three-fourths full.

4.) Bake at 375° for 25-30 minutes or until a toothpick comes out clean.

5.) Cool for 5 minutes before removing from pan to a wire rack.