Thinly slice one and a half of the apples; coarsely chop remaining apples. In a large skillet melt the 1 tablespoon butter. Add apples, garlic, and oats. Cook over medium heat for 5 to 8 minutes or until apples start to soften, stirring occasionally. Remove from heat; stir in brown sugar and lemon juice. Use immediately to top bread. Or transfer to a medium bowl; cover and chill up to 24 hours.

Preheat oven to 375 degree F. Place loaves on a large baking sheet.* Brush tops of loaves with melted butter. Spoon half the apple mixture onto each loaf, pressing mixture in slightly. Bake, uncovered, for 10 minutes or until warmed through. Transfer to a cutting surface. Slice carefully to avoid dislodging apples. Makes 24 servings.

If the loaves do not have flat tops, slice off the rounded portions to make flat surfaces.