Ponytails asked me to post about this because she said it was amazing.
Ingredients: 1 batch standard muffin batter (I added a teaspoon of vanilla); two sliced bananas; one cup chocolate chips.
Directions: Scrape half the muffin batter into a greased 8-inch pan. Top with sliced bananas and chocolate chips. Cover with remaining batter (it's okay if it doesn't quite cover). Bake at 350 degrees for about half an hour or until it tests done.
If you eat a piece of the cake still warm from the oven, the chocolate chips will be gooey and the bananas will have that slightly strange, hot, cooked taste (like a baked banana) that some people like and some people really don't.
But if you chill it, the chocolate chips revert to a rich kind of cold chocolate chunkiness, turning the whole deal into a chocolate-banana-muffin-sandwich-cake.
You could probably get the same results with individual muffins.
So if you ever start making plain muffins and decide too late that you would rather have had banana bread, or just want a change, try it this way.