S's Banana Chocolate Chip Muffins

3 ripe bananas
3/4 cup sugar (I use less than 1/2 cup)
100 mL melted butter or canola oil
1 egg
2 Tbsp milk
1 tsp baking soda
1 tsp baking powder
1/4 tsp salt
1-1/2 cups flour
1/2 cup chocolate chips

Mash bananas. Add sugar, mixing to combine. Melt butter and set aside to cool. Lightly beat together butter, egg and milk. Add to banana mixture. Sift baking soda, baking powder, salt and flour in to the banana mixture. Mix lightly with a fork until just combined. Stir in chocolate chips. Spoon into well greased muffin tins. Bake at 190 deg C (375 deg F) for 15-20 minutes or until done. Makes 12 muffins.