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Preheat the oven to 350°F Grease a regular loaf pan.
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Combine the wet ingredients by hand in a medium bowl until well blended.
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In a separarate bowl, sift together the dry ingredients.
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Add the flour-mixture to the wet bowl.
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Stir just until everything is combined.
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You can let the dough sit overnight for the flavors to blend, or you can bake it immediately.
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Pour the batter into the prepared pan.
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Bake at 350 F for 1 hour, or until a toothpick inserted in the center comes out clean.
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Serve the loaf while it is warm with the cream cheese for rave reviews.
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Note: You can also add 1/2 cup of chopped nuts if you so desire; I recommend toasted walnuts or pecans for the best flavor.