1. Following manufacturer's instructions, place first 9 ingredients into bread pan. Select dough cycle, and start bread machine. Remove dough from machine (do not bake).
2. Preheat oven to 350°.
3. Turn dough out onto a lightly floured surface; rub with oil. Shape into a 12-inch-long loaf. Place loaf on a baking sheet. Combine cheese, 1 teaspoon rosemary, and garlic powder; sprinkle cheese mixture over top of loaf.
4. Bake at 350° for 45 minutes or until loaf sounds hollow when tapped. Remove loaf from pan; cool on a wire rack.