Preheat oven to 350. Well grease a 9x5x3" loaf pan. In a medium bowl, sift flour, baking powder and soda together; set aside. Cream sugar, egg and butter until light and fluffy. Blend in bananas and milk. Add dry ingredients until just moistened. Stir in chocolate chips. Pour into prepared pan. Bake for 1 hour, or until toothpick comes