Christine27360
It sounds like you may have a fungus growing. Is it black and powdery? You may need to spray it with a fungaside spray. Have you ever listened to the Larry Meiller show on Wisconsin Public Radio? He has "Garden Talk" on every Friday at 11:00 with guests about garden issues. At times he has people who talk about trees. You can go to WWW.wpr.org and click on his name to see the up coming shows. You can listen from your computer, call in or e-mail questions. They can ask you specific questions to give you a better idea of what you have going on.
gardenersdetective
I don't know if you have planted an apple tree yet or not. One apple that I have that I really like to make pies with is the "Bonnie Best" apple. It has a really interesting flavor and is good fresh too. I keeps pretty well too if refridgerated. It's available from Jung Seeds and Plants. I also love the Cortland for fresh eating and it make good pies too. I'm sure you know that unless you have a neighbor close by with an apple tree, you'd have to plant two varieties for pollination. Both of these trees are cold hearty.