Ingredients:

• 8 oz. Softened cream cheese
• 1 ½ cups shredded Monterey Jack cheese
• 1 cup finely diced apple ( about 1 small apple))
• 1/3 cup crushed walnuts
• 2 TBS. milk
• ¼ tsp. cinnamon
• 1/8 tsp. Fresh ground nutmeg

• In a small mixer bowl, beat cream cheese until light and fluffy.
• Beat in remaining ingredients until well blended.
• Refrigerate, covered for at least one hour to allow flavors to blend.
• Store in refrigerator up to one week.
• Serve with crackers, or other hearty snack.
• Can also be used on hot bagels, toast or waffles.