In a large bowl, combine the all-purpose flour, oat flour, baking powder, and salt.
Rub the butter or lard into the dry ingredients until the mixture resembles breadcrumbs.
Gradually add the water or milk and mix until a soft dough forms.
On a lightly floured surface, knead the dough for a few minutes, then shape it into a circle about 2 cm thick.
Heat a dry skillet over medium heat and place the dough in the skillet.
Cook the bannock for about 5-7 minutes on one side until golden brown, then flip and cook for another 5 minutes.
If you're making a thicker bannock, reduce the heat and cook for a longer time to ensure the inside is cooked through.
Let it cool slightly, then slice and serve with butter, jam, or honey.
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