Preheat oven to 250. Put the apple in a microwave-safe bowl and tightly cover with plastic wrap; microwave on high until softened, about 2 minutes.
In a large bowl, whisk the flours, baking powder, baking soda and salt. In a small bowl, whisk the wet ingredients, then slowly add the dry ingredients, stirring until just combined.
Heat a large nonstick griddle or skillet over med heat. Spoon 1/4 C. batter on the griddle for each pancake and sprinkle each with apple, then drizzle a little more batter over the apple. Cook until the tops are bubbly and the edges are dry, about 2 minutes. Flip and cook until golden brown, 1-2 min more. Keep the pancakes warm on a baking sheet in the oven while making the rest.
6 servings: 230 cal, 3g fat, 75mg Chol, 290mg sodium, 46g carbs, 3g fiber, 3g protien