In a medium mixing bowl toss the apples with the cheddar or Swiss cheese. Divide fruit-cheese mixture between two 10-ounce custard cups. Add 1 tablespoon of the water or apple juice to the cheese-fruit mixture in each custard cup.
For topping, in a small mixing bowl stir together the oats, granulated sugar or brown sugar, flour, margarine or butter, and ginger, nutmeg, or cinnamon. If desired, stir in the chopped pecans, walnuts, or almonds. Sprinkle topping over filling.
Bake in a 375 degree F oven for 25 to 30 minutes or until fruit is tender and topping is golden. Serve warm. If desired, serve with ice cream, half-and-half, or light cream. Serves 2.