Step 1: Preheat oven to 350 degrees
Step 2: In large bowl
Step 3: Combine egg, oats, milk, onion, celery, peppers, cheese, Worcestershire sauce, salt, garlic salt and pepper.
Step 4: Let set 10 minutes
Step 5: Add meat and mix well.
Step 6: Lightly pat mixture into an 8-by-4-by-2-inch loaf pan.
Step 7: Spread on ketchup
Step 8: Bake in preheated oven 1 hour and 15 minutes
Step 9: Remove from oven.
Step 10: Drain off any excess fat.
Step 11: Spread french fried onions over meatloaf, return to oven and bake another 10 minutes.
Step 12: Remove from oven and let stand 10 minutes before serving.
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