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1. Preheat oven to 350u00b0F. Oil bread loaf or mini-bread loaf pan.
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2. In a large bowl, sift flour, baking powder, baking soda, cinnamon and salt. Add in lemon zest and nutmeg.
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3. In an another bowl, whisk bananas, eggs, sugar, butter, rum until blended.
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4. Make a well in the middle of the dry ingredients and pour in the wet ingredients.
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5. With a fork, slowly incorporate the wet ingredients into the dry ones until moist.
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6. In another small bowl, melt chocolate over simmering water. Stir 1/3 of the banana batter into the melted chocolate until combined.
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7. Spoon banana batter alternately with chocolate batter in a loaf pan or mini-loaf pan. Swirl batter with a knife for a marble effect.
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8. Bake for 30-35 minutes for mini-bread loaves (or 55-60 minutes for a bread loaf) until it passes the toothpick test.
