Heat oven to 350 deg F.
Spray an 8 x 4 or 9 x 5" loaf pan with nonstick spray.
In a med. bowl, combine dry ingredients except 3 T oats; mix well.
Add liquid ingredients that have been combined in a sm bowl; mix just until moistened.
Fold in carrots. Spread evenly in prepared pan.
Sprinkle with remaining 3 T oatmeal.
Bake 1 hr and 10 min, or until it tests done. Cool 10 min; remove from pan.
Cool completely. Store tightly covered.
This is REALLY good!!!
PREP TIME: 20 min. BAKING TIME: 1 hr. and 10 min. SERVINGS: 1 loaf 12 slices each Entered into MasterCook II and tested for you by Reggie Dwork <reggie@reggie.com>