Preheat oven to 350 degrees F. Coat twelve 2 1/2-inch muffin cups with cooking spray or line with paper bake cups; coat bake cups with cooking spray. Set pan aside. In a small bowl combine egg and whipping cream; set aside.
In a large bowl stir together flour, sugar, baking powder, and salt. Using a pastry blender, cut in butter until mixture resembles coarse crumbs. Stir in apple, the 1/2 cup cheese, and the crumbled bacon. Make a well in the center of flour mixture. Add egg mixture all at once to flour mixture. Using a fork, stir just until moistened.
Spoon batter into the prepared muffin cups, filling each half full. If desired, sprinkle with the 1/4 cup cheese.
Bake for 20 to 25 minutes or until tops are golden. Cool in muffin cups on a wire rack for 5 minutes. Remove from muffin cups; serve warm.