overbaking

We recently purchased a Zojirushi BBCEC20, and I'm on my fourth loaf. It seems that on the standard settings (I've used both the wheat and basic settings), the Zo is overbaking by quite a bit. Even when I shortened the baking cycle by 20 minutes (!) on the wheat setting, the internal loaf temperature measured at nearly 205 degrees! The resulting bread is a bit dry and the sides and bottom are much more brown than we would like.