Brown ground beef in heavy skillet. Add salt and pepper. Mix beef with sour cream and milk. Cook herb stuffing mix and apple in 1/4 cup of meat drippings or butter for 5 minutes. Add water. Spread half of beef mixture in 2 quart baking dish. Top with stuffing mix. Press down gently. Spoon rest of meat on top. Bake at 300=B0 for 30 minutes.=20