1. Preheat oven to 350 degrees. Grease and flour and 8 x 5 inch loaf pan.
2. Sift together flour, baking powder, baking soda, cinnamon, cloves, nutmeg and salt; set aside.
3. Beat butter and sugars together until fluffy then beat in eggs.
4. Add flour mixture to egg mixture in three batches, alternating with milk and lastly sour cream. Add a spoon of flour to the apples and toss to coat to help prevent them from sinking to the bottom. Stir in apples and almonds. The batter will be stiff.
5. Spoon into prepared pan and sprinkle almonds over top. Bake for 55 to 60 minutes or until a toothpick inserted in middle comes out clean and top is nicely browned. Cool thoroughly; best not to slice when warm.Rum