Beat the eggs with the vanilla.
Combine the eggs, milk and, oil. (If you are using cocoa powder) Add the cocoa powder oil. Set aside.
Mash the bananas with a fork until smooth.
Add the mash bananas to the egg, oil, and milk mixture.
Sift the flour, baking powder and baking soda together.
Add the sugar.
Add the rest of the dry ingredients and blend well.
Pour the liquid mixture into the flour and mix well.
Note: If you want your banana bread with more chocolate, you may add the chocolate chips or melted semi-sweet chocolate now. Just melt the chocolate in a double boiler and let it cool before you add it to the flour).
Pour into a greased loaf pan.
Place in a preheated oven and bake at 350° F for about 30 minutes or until it is brown.