1line loaf pan with foil. mix all ingredients in a bowl with hands. Leaving a 1/4 cup of ketchup out.
2take meat mixture out of bowl. Place on wax paper. press meat down to double the with of the pan 10x9 inches. sprinkle cheese along the 10 inch side on half of it 5 inches. Fold meat over the cheese. Pat in to loaf the size of pan molding edges together.
place in pan form loaf to size of pan. Spread remaining ketchup on top if desired.
3Bake at 350 for 1 hour. Cover loaf with foil,and turn pan to drain any grease off. lift loaf out of pan by grasping foil and lift out. Slice and serve with ketchup or brown gravy.