Arrange half the bread cubes in an 8-inch baking dish.
Distribute the cream cheese cubes evenly over the bread.
Distribute the chopped apple over the top, and cover with the remaining bread cubes.
Beat the eggs, milk, and cinnamon together; pour over all.
Bake for 35 minutes, uncovered.
Sprinkle with powdered sugar before serving.
*Fresh Blueberry-Stuffed FrenchToast--substitute 2 cups blueberries for the apple and proceed as directed.
*Fresh Strawberry-Stuffed French Toast--substitute 2 cups sliced strawberries for the apple and proceed as directed.
*Toasted Almond and Peach-Stuffed French Toast--replace the apples with 2 large peaches, peeled and sliced; scatter the peaches over the cream cheese cubes, sprinkle with 1/2 cup toasted slivered almonds, and proceed as directed.