Preheat Oven to 350 degrees and spray 9x5 loaf pan with baker's Joy
In a small bowl blend together all of the ingredients to the cream cheese filling and set aside
In a large bowl sift together flour, baking powder, baking soda,cinnamon, nutmeg, sugar and salt
Add water , oil and eggs to the flour mixture and mix well
Fold in diced apples
Pour half the apple bread mixture into prepared pan, making sure the bottom is completely covered
Carefully spread the cream cheese mixture on top of the apple bread
Spread the remaining apple bread mixture on top of the cream cheese making sure the cream cheese is completely covered
Bake in a preheated oven for 60-70 minutes. ...until a tester comes out clean
Cool pan on a cooling rack for 10 minutes then remove the loaf and allow to cool on the rack
Cool completely before slicing