Preheat the oven to 425°.

In a large mixing bowl, combine the flour, cornmeal, instant milk, sugar, baking powder, and salt and stir to mix well.

Add the cheese and bacon and stir well again.

In a medium bowl, beat the egg and then add the water and cooking oil, mixing until well blended.

Stir into the cornmeal mixture.

Beat by hand using a large wooden spoon just until well blended and smooth.

Pour the batter into a greased loaf pan and bake for 20 to 25 minutes or until done and a light golden color.