Preheat the oven to 180C / Gas 4 and leave the butter out to soften

Mix the milk with the lemon juice and leave aside

Butter and flour a couple of small loaf tins and line their bases with baking paper

Put the walnuts on a baking tray and warm through in the oven until they are lightly toasted (about 5-8 minutes) then leave to cool

Sift the dry ingredients - flour, bicarbonate of soda, cinnamon and allspice - into a bowl

In another bowl, cream the butter and half the sugar with an electric beater or wooden spoon until it is pale, light and fluffy

Gradually add the eggs and a tablespoon of the flour mixture, then beat in the rest of the sugar, the bananas and the vanilla essence

Beat the remaining dry ingredients into the mixture adding the milk bit by bit

Roughly chop the walnuts and fold into the mixture with the chocolate

Pour into the loaf tins and bake in the oven for 50 minutes or until a metal skewer comes out clean

Leave to cool in the tins for 10 minutes then turn out of the tins on to racks

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