Preheat oven to 400 degrees F. Line a standard 12 muffin cup pan with paper liners. Sift the first 4 ingredients into a medium bowl. Mix in the wheat germ and unsweetened chocolate. Combine the mashed bananas, milk, eggs, oil and vanilla in a large bowl; whisk to blend. Add the dry ingredients along with the chocolate chips, mix well. Fill prepared muffin cups 3/4 full with prepared batter. Bake until golden and tester inserted into the center comes out clean; about 25 minutes.
Per Serving: 243 Calories (kcal); 11g fat (38.1% calories from fat); 5g Protein; 33g Carbohydrate; 2g Dietary Fiber; 37mg Cholesterol; 273mg Sodium. Food Exchanges: 1 Grain (Starch); 1/2 Lean Meat; 2 Fat; 1 Other Carbohydrates.