BEAT pancake mix and milk in large bowl with wire whisk until well blended. Stir in cheese and apples.
SPOON batter into hot greased skillet, using 1/4 cup batter for each pancake. Cook 2 min. or until bubbles form on tops, then turn to brown other sides.
SERVE each pancake topped with fruit and 2 Tbsp. syrup.
serving size = 1 pancake