IRISH BROWN SODA BREAD
1 1/4 cups unbleached all-purpose flour
1 cup whole-wheat flour
1/2 cup old-fashioned rolled oats
1/4 cup wheat germ
1 1/2 tsp. baking soda
1 tsp. salt
1/2 stick cold unsalted butter, cut into bits
1 1/3 cups buttermilk or plain yogurt