Here's a recipe taken from The King Arthur Flour 200th Anniversary Cookbook:
2 c. flour (can be half white/half wheat or all white)
1 T. baking powder
1/2 t. baking soda
1/2 t. salt
1 c. grated Cheddar cheese
1 T. caraway or dill seed (optional)
1 c. sour cream, buttermilk, or yogurt
2 T. butter, melted or vegetable oil (optional)
Preheat oven to 350 degrees
Combine the dry ingredients, the cheese, and the caraway or dill. Beat the eggs until thick and light. Add and beat in the sour cream, buttermilk, or yogurt. Add this mixture to the dry ingredients, mixing just enough to blend.
Bake in a lightly greased 5x9 inch loaf pan for 50 to 60 minutes.
I have accidentally made this bread with only 1 t. of baking powder -- no worse for wear. I also put in more butter this last time, 4 T, because I felt it needed a little more moisture.