2 c. flour
1 tbsp. sugar
1 tbsp. baking powder
1 tsp. cracked black pepper
1/2 tsp. salt
1 1/4 c. milk
1/4 c. vegetable oil
1 egg
1 1/2 c. Cheddar cheese, divided

Preheat oven to 400 degrees. Grease 12-15 muffin tins or 4 small loaf pans.

In a large bowl, combine flour, sugar, baking powder, pepper, and salt. Set aside.