Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      can           {11 oz.} condensed cheddar cheese soup
   1      cup           milk
     1/2  cup           brown sugar -- packed
     1/2  teaspoon      ground cinnamon
   2      tablespoons   butter or margarine
                        whipped cream
   6      cups          toasted bread cubes -- (about 9 slices)
     1/2  cup           chopped almonds
     1/2  cup           raisins
   2      cups          sliced peeled apple
     1/2  cup           monterey jack or cheddar cheese -- shredded

Preparation:

1. Combine soup, milk, brown sugar and cinnamon in a saucepan; bring to a boil. 2. Reduce heat; simmer 2 minutes. 3. Add butter, toast, almonds and raisins. 4. Spoon half of the soup mixture in the bottom of a 1 1/2-quart casserole; top with apples and remaining toast mixture. 5. Cover; bake in preheated 350 F. oven 25 minutes, or until hot. 6. Uncover; sprinkle with cheese. 7. Bake 5 minutes more. 8. Serve with whipped cream.