Pre-heat oven to 350 F.
Butter a 9-inch baking dish.
Sift the flour, salt, cinnamon, nutmeg, and sugar into a bowl.
Cut the butter into small pieces.
Cut it into the flour mixture, using a pastry blender, or the back of a fork...should resemble wet sand, or course cornmeal.
Cut the bread into crouton-sized pieces.
Soak the raisins in boiling water until plump, about 5 minutes, then drain them.
Combine the bread, raisins, and sliced apples in a bowl.
Sprinkle the bottom of the prepared baking dish with a third of the flour mixture.
Add the apple mixture and top with the remaining flour mixture.
Bake for about 45 minutes covered, and then another 15 minutes uncovered, or until the top is crisp and apples are tender.
Serve hot or cold, with whipped cream (or vanilla ice cream).