Heat oven to 400 F. Spray muffin tins or line with paper cups.
In a large bowl, combine flours, sugar, baking powder, baking soda, nutmeg, salt, allspice and apple powder; mix well.
Beat egg in a small bowl. Add skim milk, banana, and water; mix well and add to dry ingredients, stirring just until moistened.
Fill muffin tins 2/3 full. Bake 12-13 minutes or until tops are golden brown. Remove from tins immediately. Serve warm.
Makes 1 dozen muffins.