Export to xml file with separate rows

for exporting to xml file i use:
bcp "select * from table'" queryout C:\filename.dat -S @@servername -t -c -C 65001 -T
the result in the created file appears in one long row like:
<Payment_group>100201301</Payment_group>

how can i force it to appear in separate rows like:

<Payment_group>
100
201301
</Payment_group>

thanks ahead