In a large bowl whisk together flour, wheat germ, oats, bran, baking powder, baking soda, seeds, and salt. In another bowl beat egg and oil. Add brown sugar and beat. Add banana and buttermilk and beat until blended. Add egg/oil mixture to flour mixture. Add cherries and apples and mix gently until just moistened. Fill paper lined or grease muffin cups 3/4 full. Sprinkle with cinnamon and brown sugar. Bake in 375º oven for 18-20 minutes.