1 1/4 c. all-purpose flour
1 c. whole-wheat flour
3/4 c. packed brown sugar
1 1/2 tsp. baking powder
1 tsp. baking soda
1/4 tsp. salt
3 medium ripe bananas, mashed
1 1/4 c. milk
1 egg
1 tbsp. vegetable oil
2 tsp. vanilla extract
6 milk chocolate candy bars (1.55 oz. each)

In a mixing bowl, combine the flours, brown sugar, baking powder, baking soda and salt. In another bowl, combine bananas, milk, egg, oil and vanilla. Stir into dry ingredients just until moistened. Fill greased or paper-lined muffin cups one-third full. Break each candy bar into 12 pieces. Place two pieces in each muffin cup. Top with remaining batter. Chop remaining candy bar pieces. Sprinkle over batter.

Bake at 400°F for about 15 minutes. Cool for 5 minutes before removing from pans to wire racks.

Makes 1 1/2 dozen.