Procedure1 Preheat the oven to 400F for 15 minutes. Line the muffin tin with paper liners or grease the tin.

2 In a medium size bowl combine together the milk, butter and buttermilk.

3 In another large bowl sift together the flour, salt and baking powder.

4 Add the sugar, chocolate chips and nuts to the flour mixture and stir well.

5 Slowly stir in the wet ingredients to the dry ingredients, but do not overdo it.

6 Fold in the mashed bananas.

7 Fill each muffin cup with 3 tablespoons of batter.

8 Bake for 20 minutes or until a toothpick inserted in the center of the muffin comes out clean.

My Notes1 The bananas I used were extremely ripe, so I simply mashed it with a fork. If the bananas are not that ripe you could cut into pieces add few drops of water/milk and blend it in a blender/food processor.

2 The original recipe used chocolate chunks. Since I did not have it I went with semisweet chocolate chips. If you have chocolate chunks, chop 5 ounces of semi sweet chocolate into large chunks and use it instead of the chips.

3 The sweetness was perfect for us. Not very sweet like the ones you get in stores. If you have a very sweet tooth you would have to increase the quantity of sugar or chocolate chips.

4 You could substitute vegetable/canola oil instead of butter to make it healthier. I have tried it in couple of other recipes and it works. Since I wanted to finish the butter in the refrigerator I did not do this substitution.

5 You could also substitute whole wheat flour for the all purpose flour. I didn’t do it this time because the brand of wheat flour I’m using right now is not good in banana muffins. A couple of days ago I tried a banana muffin recipe with whole wheat flour and did not like the taste. I liked it when I made something similar a year ago, but that was a different brand of wheat flour, so I went with all purpose flour itself.