In a large bowl, combine dry ingredients.

In another bowl, combine wet ingredients, minus the apple. Add to dry ingredients and mix until smooth. Gently fold in the sliced apples.

Heat skillet over medium heat. You can tell if your skillet or griddle is hot enough by flicking a drop or two of water on its surface. The water should skitter around and quickly evaporate if the pan is hot enough. Pour batter onto a lightly greased hot griddle or skillet 1/2 cup at a time and spread to form a 5-inch circle.

Cook pancakes for about 1-1/2 minutes to 2 minutes. Turn when bubbles form and continue cooking until golden brown and apples are tender. Sprinkle with confectioners' sugar if desired.

Serve immediately or keep warm on a baking sheet in a 200 degree F oven until all pancakes are cooked.

Courtesy of FabulousFoods.com