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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.
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2
By the time you need it for the recipe it should have thickened enough to pass.
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3
I have used real buttermilk and the sub and both always turn out great.
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4
You can also sub sour cream or vanilla yogurt.
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5
Cream butter, vanilla and sugar by hand.
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6
Coarsely mash bananas and add by hand to butter mixture.
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7
Add eggs, applesauce and buttermilk to mixture.
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8
Mix all dry ingredients (flours, salt, baking soda and wheat germ and baking powder if using) in a bowl with a whisk or fork.
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9
By hand, add to banana mixture only enough to moisten the dry ingredients.
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10
Don't overwork the flour or it will result in rubbery bread!
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11
Stir in chocolate chips very gently as little as possible to incorporate.
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12
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.
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13
Bake at 350F 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!
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14
This will make 2 full size loaves and I slice each loaf into 10 even slices.
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15
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).
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16
All were moist and yummy.
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17
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.
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18
In fact, I like to combine those substitutions for different flavor combos.
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19
This bread is very friendly to adding grated (and squeezed dry) zucchini and carrot!
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20
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!
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21
Nobody believes it is actually quite good for you (well, all except for the chocolate) and most ask for the recipe.
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22
Again, I want to thank Tracy H. for her original recipe.
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23
When I'm feeling really skinny, I love her bread the best!