Finnish-style oat bread

I'm totally a sucker for such bread that you can get in Finland - partly or completely full-grain stuff, with not much yeast or none at all, firm, and so charming of taste that you prefer to eat it without anything on it so that the bread itself is the centre of attention. I couldn't find the right flour here though so I had to use white wheat flour. But anyway the bread came out so beloved that both of them were eaten in less than 10 minutes. Oats are very popular in Finland, and it is a common conviction there that you should eat some oats every day to be friendly to your heart and to reduce LDL cholesterol.

Ingredients (for 2 breads 20 cm of diameter):
3 dl dark wheat flour (hiivaleipäjauhoja/jästbrödsmjöl)
1 dl oats
½ teaspoon salt
3 teaspoons baking powder
1 dl grated cheese
50 g margarine
2 ½ dl milk

Preparation:
Mix the flour, oats, salt and baking powder in a bowl with a wooden fork. Add the grated cheese, the milk and the margarine that you've previously melted. Mix quickly, don't mix a lot! It is normal that the dough is very loose. Put baking paper on an oven plate. Pour half of the dough on the baking paper and pat it with floured hands into the shape of a bread of 20cmx20cm. Form another bread next to it (or after the first one has been baked). Bake in the oven in 225 c for 15 minutes.