1 cup all-purpose flour
3/4 cup whole-wheat flour
3/4 cup old-fashioned oats
1/4 cup wheat germ
1/3 cup granulated sugar
4 tsp. baking powder
1/2 cup mashed ripe banana (1 large)
1 egg or 1/4 cup egg substitute
1/4 cup vegetable oil
1/2 cup skim (nonfat) milk
1/2 cup orange juice
1/2 cup diced, unpeeled apple
1/2 cup raisins

Preheat oven to 400°F. Spray 12-cup (2 1/2 to 3-inch) muffin pan with non-stick cooking spray (Pam) or line with foil liners.

In a large bowl, combine flour, whole-wheat flour, oats, wheat germ, sugar and baking powder.

In a separate bowl whisk banana, egg, oil, milk and juice. Add to flour mixture and stir just until dry ingredients are moistened. Stir in apple and raisins. Divide batter among muffin cups.

Bake at 400°F for 20 minutes or until a toothpick comes out clean. Remove muffins from pan and cool on rack.