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 (opt.)
1 c. chopped nuts

FILLING:

8 oz. cream cheese, softened
1/3 c. sugar
1 egg

Combine cream cheese, sugar and egg, mixing until well blended. Set aside. Combine dry ingredients. Combine oil, milk, eggs and peel and mix with dry ingredients until just moistened. Fold in nuts. Spread 1 cup batter in greased 9"x5" loaf pan. Top with cream cheese mixture. Cover with remaining batter. Bake at 350 degrees for 1 hour. Cool 10 minutes and remove from pan. For smaller loaves (7 1/2" x 3 1/2") bake for 45 minutes.