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).
Preheat oven to 350°.
Turn dough out onto a lightly floured surface; rub with oil. Shape into a 12-inchlong loaf. Place loaf on a baking sheet. Combine cheese, 1 teaspoon rosemary, and garlic powder; sprinkle over top of loaf.
Bake at 350° for 45 minutes or until loaf sounds hollow when tapped. Remove from pan; cool on a wire rack.