Preheat oven to 350 degrees, lightly grease 9X5 inch loaf pan

Combine flour, sugar, baking powder, cinnamon, nutmeg and salt in a small mixing bowl. In a large bowl combine bananas, eggs, oil, milk and vanilla extract. Add dry ingredients to banana mixture; stir just until moistened. Stir in nuts and chocolate/peanut butter chips; pour into lightly greased pan

Bake 50 to 60 minutes or until toothpick inserted in center comes out clean. Cool 10 minutes in pan.

Slice and Serve, enjoy!!