3 cups all-purpose flour pre-sifted or sift yourself
3 teaspoons baking powder
1 teaspoon salt
12 ounces milk whole or low fat
1 ⁄4 cup sugar
1 ⁄2 cup water
1 ⁄4 cup melted butter
1 cup shredded cheddar cheese mild or sharp
1 ⁄2 cup chopped Bermuda onion

Preheat over to 375 and gather ingredients.
Mix together flour, baking powder, sugar and salt
Add milk, water, butter, cheese, and onions.
Stir until mixed.
Dough should be a bit moist but not watery. Should look very sticky and lumpy.
Scoop into greased bread pan. (cooking spray works fine).
Even out with a spoon so top is completely flat.
Bake for 55 minutes.
Let cool for 30 minutes before slicing.