In a bowl, combine flour, sugar, baking powder and salt.
In another bowl, lightly beat egg; add milk and oil. Add to dry ingredients and stir until smooth. Fold in apples.
Pour batter by half cupfuls onto a lightly greased hot pan and spread to form a five-inch circle. Turn when bubbles form. Cook the second side until golden brown and apples are tender. Sprinkle with powdered sugar if desired.