Step 1: Preheat oven to 400F.
Step 2: Grease muffin pans.
Step 3: COMBINE flour, sugar, baking powder, baking soda, salt, cinnamon and cheeses in large mixing bowl.
Step 4: BEAT egg, buttermilk, oil and apple together thoroughly.
Step 5: ADD liquid ingredients all at once to dry ingredients. Add nuts. Stir just until moistened.
Step 6: FILL greased muffin cups 3/4 full.
Step 7: SPRINKLE tops with 1/4 cup cheddar cheese if desired.
Step 8: BAKE at 400°F for 18-23 minutes or until top springs back when lightly touched.
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