Heat oven to 375 degrees. Grease and flour square pan, 9 by 9 by 2 inches. Stir together all streusel ingredients; set aside. Crush cereal. (Place cereal in plastic bag or between sheets of waxed paper; crush with rolling pin. Or crush in blender or food processor.)

Stir together cereal and milk in large bowl; let stand 5 minutes. Stir in remaining ingredients except apple; beat 30 seconds with spoon. Gently stir in apple. Spread half of the batter in pan; top with streusel. Spoon remaining batter over streusel; spread to cover.

Bake 35 to 40 minutes or until toothpick inserted in center comes out clean. Serve warm.

For High Altitude Locations (3,500-6,500 ft): Heat oven to 400 degrees. Decrease baking powder to 2 1/2 teaspoons. Bake 37 to 42 minutes.

This recipe yields 12 servings. Serving size: 1 slice.

Exchanges Per Serving: 2 Fat, 2 Starch.

Nutrition Facts: Calories 265; Calories from Fat 115; Total Fat 12g; Saturated Fat 2g; Cholesterol 2mg; Sodium 320mg; Carbohydrate 36g; Dietary Fiber 3g; Protein 5g.