Preheat oven to 350 degrees. Spray a 9-by-5-inch loaf pan or 12 muffin
cups with non-stick cooking spray, then sprinkle on flour and knock off
excess.
Combine the flour, baking powder and salt; set aside.
In a large bowl, combine the bananas, egg and egg whites, oil, milk,
vanilla and sugar. Add the flour mixture and the chocolate. Combine just
until moistened. Pour into the prepared loaf pan, or fill muffin tins
3/4 full. Bake until a sharp knife inserted in the center of the loaf
or muffin comes out clean, about 50 minutes for a loaf or 25 minutes for
muffins.
Each of 12 servings contains approximately: 245 calories; 7 g fat; 16
mg cholesterol; 100 mg sodium; 42 g carbohydrates; 4 g protein; 2 g fiber.