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Preheat oven to 350 degrees and oil bread pan or spread with butter.
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Wrap grated zucchini in a paper towel and squeeze until some of the liquid releases. You don't need to completely dry it out. Just a tablespoon of liquid or so.
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In a large bowl, combine flour, baking powder, baking soda and salt.
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In a small bowl, combine milk and vinegar. The milk will curdle a bit. (you just made homemade buttermilk!) Mix in melted butter and egg.
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Add milk mixture to dry mixture being careful not to over mix. (over mixing will make for a low rising bread).
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Add grated zucchini, cheese and onions. Mixing lightly until just combined.
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Pour batter into prepared pan and bake at 350 degrees for one hour.
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If toothpick inserted comes out clean, bread is done! Cool for 10 minutes in the pan. Remove carefully and cool on wire rack.