Add milk, oil and dry ingredients to eggs and mix well.
Fold in apples.
Preheat lightly coated griddle or skillet over medium heat ( I use Pam or small amount of vegetable oil) -- Test by adding a few drops of water on hot pan -- When the drops start to "dance" on the griddle it is time to cook.
For each pancake pour about a 1/4 cup of batter onto a hot griddle and Cook on first side until bubbles that form begin to pop and edges look dry.
With a spatula, turn and cook until second side is rich golden brown.