In a large mixer bowl, combine 1/2 cup bread flour, whole wheat flour, dry milk, active dry yeast, salt, honey, and oil.

Mix on low speed until well blended.

Add hot water and mix for 3 minutes until smooth.

Gradually add remaining bread flour, mixing at high speed until dough is smooth.

Place dough into a 1 1/2-quart casserole dish.

Sprinkle wheat germ evenly over the top.

Let rise in a warm place until almost doubled in size, approximately 45 minutes.

Preheat oven to 375°F.

Bake for 25-30 minutes, or until golden brown and cooked through.