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Combine 1/2 cup all purpose flour, dry milk, sugar, yeast and salt.
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Heat water and butter until very warm (until the butter melts).
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Stir in wheat germ, let stand for about 2 minutes.
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Stir wheat germ mixture into dry ingredients.
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Beat 2 minutes at medium speed of electric mixer.
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Add egg and 1/4 cup all purpose flour.
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Beat 2 minutes at high speed.
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Stir in 3/4 cup all purpose flour and 1/4 cup whole wheat flour to make stiff batter.
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Place into a Loaf Pan (1,5 QT size).
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Cover; let rise in warm, draft-free place until doubled in size, about 1 hour.
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Bake at 375F for 25 minutes or until done.