Preheat the oven to 375 degrees, and spray a loaf pan with cooking spray.

Place the oats in the bowl of a food processor fitted with the chopping blade, and process until finely ground.

In a large mixing bowl, mix together the ground oats, whole wheat and all-purpose flours, 2 tablespoons of the sunflower seeds, 1 1/2 tablespoons of the pumpkin seeds, baking powder, baking soda and salt. Mix well with a spatula to combine the dry ingredients.

Add the olive oil, honey, and kefir, and stir with a spatula, to combine the wet ingredients with the dry ingredients. Do not overmix. The dough will be sticky.

Pour the dough into the prepared loaf pan, and sprinkle the remaining 1 tablespoons of sunflower seeds, 1/2 tablespoon of pumpkin seeds, and 1 tablespoon of hemp seeds over the top. Lightly pat the seeds so they adhere to the dough.

Bake for 50-55 minutes, or until a toothpick inserted into the middle comes out clean.

Let the bread cool for about 15 minutes, and then turn over to remove from pan. Serve warm.