Preheat oven to 350 degrees.

Grease a 8 x4 1/2 x 2 3/4 loaf pan with butter or olive oil

Using a large mixing bowl, mix the flour, baking powder, salt and pepper.

Using a medium bowl, whisk the eggs for a minute or two, then and the milk and oil and whisk until well blended.

Pour the egg and milk mixture into the large bowl with the flour mix. Use a wooden spoon and stir until blended. Don't overmix.

Add the grated cheddar, chives, and cube cheddar to the mixture and use a wooden spoon to stir until the mixture forms a thick dough.

Fill the loaf pan with evenly with the dough.

Bake for about 40 minutes. The surface should be golden brown and a toothpick should come out clean when inserted into the middle.

Cool on a wire rack for about 5 minutes. Turn out the loaf and cool before serving. You will probably have to run a knife around the edges of the pan to get the loaf out.