Cream oil and sugar. add egg and beat until combined.

Combine flour, baking soda and baking power in a medium bowl.

Mash bananas with milk in a small bowl.

Alternately add the dry ingredients and the bananas until all incorporated.

Fold in the chocolate chips.

Fill paper lined muffin tins 3/4’s full. It makes about a dozen muffins.

Bake in a preheated 350 degree oven for about 18 to 20 minutes. They are done when a toothpick comes out of a muffin clean