Preheat the oven to 425°.

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

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

Stir into the cornmeal mixture.

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

Pour batter into a greased loaf pan.

Bake for 20 minutes or until done and a light golden color.