Instructions

  1. If you don't have buttermilk then first put 1-2 tsps of vinegar or lemon juice in the bottom of the measuring cup and add 1/2 cup of milk. By the time you need it for the recipe it should have thickened enough to pass. I have used real buttermilk and the sub and both always turn out great. You can also sub sour cream or vanilla yogurt.
  2. Cream butter, vanilla and sugar by hand.
  3. Coarsely mash bananas and add by hand to butter mixture.
  4. Add eggs, applesauce and buttermilk to mixture.
  5. Mix all dry ingredients (flours, salt, baking soda and wheat germ and baking powder if using) in a bowl with a whisk or fork. By hand, add to banana mixture only enough to moisten the dry ingredients. Don't overwork the flour or it will result in rubbery bread!
  6. Stir in chocolate chips very gently as little as possible to incorporate.
  7. Whatever your pan preference, grease or spray with nonstick only the bottom and lower bottom edge so the bread will rise as fully as possible.
  8. Bake at 350°F for 45-1 hour and do a toothpick test (but keep in mind the chocolate chips will remain moist) to see when yours is done -- all ovens are different!
  9. This will make 2 full size loaves and I slice each loaf into 10 even slices. It also made mini loaves, muffins and mini muffins well, but I had to adjust the cooking time (I don't remember the times on these). All were moist and yummy.
  10. You can substitute the chocolate chips for peanut butter chips, butterscotch chips or nuts, or raisins, or cranberries without compromising the moistness or flavor of the bread. In fact, I like to combine those substitutions for different flavor combos. This bread is very friendly to adding grated (and squeezed dry) zucchini and carrot! I love giving this bread for gifts and making it for bake-sales and it freezes like a dream so I can prepare in advance for events! Nobody believes it is actually quite good for you (well, all except for the chocolate) and most ask for the recipe.
  11. Again, I want to thank Tracy H. for her original recipe. When I'm feeling really skinny, I love her bread the best!