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What you need:
1 1/2 cups all purpose flour
1 tsp. baking soda
1 tsp. baking powder
1/4 tsp. salt
3/4 cup semisweet chocolate chips
3/4 cup walnuts, toasted, chopped
1/2 cup (1 stick) unsalted butter, room temperature
1 cup sugar
2 large eggs
1 cup mashed ripe bananas
2 tbs. fresh lemon juice
1 1/2 tsp. vanilla extract
Preheat oven to 350 degrees F. Butter and flour a 9x5x2 1/2 inch pan. Whisk first four ingreadients in medium bowl to blend. Combine chocolate chips and walnuts in a small bowl; add 1 tbs. flour mixture and toss to coat.
Beat butter in a large bowl until fluffy. Gradually add sugar, beating until well blended. Beat in eggs 1 at a time. Beat in mashed bananas, lemon juice and vanilla extract. Beat in flour mixture. Spoon 1/3 of batter into prepared pan. Sprinkle with half of nut mixture. Spoon 1/3 of batter over. Sprinkle with remaining nut mixture. Cover with remaining batter. Run knife through batter in a zigzag pattern.
Bake bread until tester inserted in center comes out clean. About 1 hour and 5 minutes. Turn out onto rack and cool.