Preheat oven to 350° F.
Place prepared apples or pears in a greased 8-inch square baking pan. Sprinkle with cinnamon, nutmeg, lemon juice, and water; mix lightly.
In a medium-sized bowl, mix sugar and flour. Using a pastry blender to cut in butter until mixture resembles coarse crumbs; evenly sprinkle crumbs over fruit mixture.
Bake for 1 hour or until fruit is tender when pierced and crust is lightly browned.
Serve with a dollop of lightly sweetened whipped cream, if desired.Makes 4