In a large bowl, combine dry ingredients. In another bowl, combine wet ingredients, minus the apple. Add to dry ingredients and mix until smooth. Gently fold in the sliced apples.
In a bowl, combine flour, sugar (if desired) 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 onto a lightly greased hot griddle or skillet 1/2 cup at a time and spread to form a 5-inch circle. Turn when bubbles form and continue cooking until golden brown and apples are tender.
Sprinkle with confectioners' sugar if desired.
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