In a bowl, combine flour, sugar, baking powder and salt.
In another bowl, lightly beat the egg then add milk and oil. Add to dry ingredients and stir until smooth. Fold in the apples.
Pour batter using a ½ cup onto a lightly greased hot pan and spread to form a 5 inch circle. Turn when bubbles form. Cook the second side until golden brown and apples are tender. Sprinkle with powdered sugar if desired.
Notes
The apples must be cut into thin slices, and grated apples work too.