1/2 c. unsifted flour
1/2 c. whole wheat flour
1/2 c. regular wheat germ
1 tbsp. sugar
1 1/2 tsp. baking powder
1/4 tsp. salt
1/8 tsp. nutmeg
1 1/4 c. milk
1/2 c. mashed ripe banana (1 med.)
2 eggs
2 tbsp. cooking oil
1/8 c. mini chocolate chips

Preheat griddle. Combine dry ingredients in bowl. Stir well to blend. Add remaining ingredients (except chips). Beat with rotary beater until well blended. Stir in chips.

Grease hot griddle for first pancakes. Pour about 1/4 cupful of batter for each pancake. Bake until top is bubbly and edges are dry. Turn and bake other side. Serve hot with syrup.

Makes about 1 dozen pancakes. Store leftovers between wax paper. Reheat at 350 degrees.