Chunky Monkey Muffins

1 1/4 c. whole-wheat flour
1/2 c. all-purpose flour
3/4 c. brown sugar
2 tbsp. ground flax seed
1 tbsp. 1 tsp. dark cocoa powder
2 tsp. baking soda
1/4 tsp. salt
2/3 c. semisweet chocolate chips
6 oz. low-fat vanilla yogurt
2 medium overripe bananas, mashed
1 egg
1 tsp vanilla extract
2 tbsp vegetable oil
1/4 c. milk
1/3 c. natural smooth peanut butter (optional)
1 tbsp wheat germ

1. Preheat oven to 350. Line 12 cup muffin tin with paper liners. Coat liners with cooking spray and set aside.

2. Measure out the flours, leveling with a knife, into a large mixing bowl along with the brown sugar, flax seed, 1 tablespoon cocoa powder, baking soda salt, and chocolate chips. Whisk together until combined.

3. Combine the yogurt, bananas, egg, vanilla extract, oil, and milk in a separate bowl until thoroughly mixed (it's OK if there are chunks of banana)

4. Fold the banana mixture into the dry mixture just until combined. If using peanut butter, fill the prepared muffin cups 1/2 full with batter and then spoon 1 tsp peanut butter on top. Fill the cups with more batter until 3/4 full (if not using peanut butter simply fill the cups 3/4 full with batter). Sprinkle tops with wheat germ and put in the oven for 20 minutes or until the tops of the muffins look dry and spring back when touched in the center. Allow to cool on the stovetop.