1 (8 oz.) pkg. cream cheese, softened
1/3 c. granulated sugar
1 egg
2 c. flour
1/3 c. sugar
1/3 c. brown sugar
1 tsp. baking soda
1/2 tsp. salt
1/2 c. oil
1/2 c. milk
2 eggs
1 tsp. grated lemon peel
1 c. nuts (walnuts or optional)

Combine cheese, sugar and eggs; mix well. Combine dry ingredients. Add combined oil, milk, eggs and peel to moist. Fold in nuts. Spread 1 cup of batter into greased 9x5 loaf pan. Top with cream cheese mixture. Cover with remaining batter. Bake 350 for 1 hour. Cool 10 minutes.