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1) Sift together:

2 cups all purpose flour
1/2 cup granulated sugar
3 Tbsp. baking powder
1/2 tsp. baking soda
1/2 tsp. salt
1 tsp. cinnamon*
1/2 tsp. nutmeg*
1/4 tsp. ground cloves*
1/4 tsp. ground ginger*
1/8 tsp. allspice*

* The spices are optional. I use them for a subtle, spicy flavor.

2) Stir in 1/2 cup finely chopped nuts

3) Beat together in a separate bowl:

1 egg
3/4 cup milk
1/4 cup vegetable oil {I use 2 Tbsp.+ 2 tsp. apple sauce}
1 1/2 cups mashed ripe bananas (3 large bananas)

4) Add the liquid to the dry ingredients and beat for approximately 1 minute. (Batter is supposed to be lumpy.)

5) Turn into a greased and floured pan(s). You can use either one large pan, two smaller pans or mini-loaf pans.

6) Bake in a pre-heated 350 degree oven for 65-70 minutes or until toothpick inserted in the center comes out clean.