Preheat the oven to 350 degrees.

In a large bowl, combine the flour, wheat germ, and baking soda. Set aside.

In a food processor, combine the egg substitute, banana, honey, water, and vanilla. (If you do not have a food processor, do this in batches in a blender.) Pour this mixture over the dry ingredients. Stir in the walnuts (if desired) and raisins.

Mix well and pour into two 8x5" nonstick loaf pans. Bake for 45 to 55 minutes, or until a toothpick inserted in the center comes out clean. Let cool in the pan for 10 minutes, then loosen the sides with a spatula, invert, and remove from the pan. Cool completely on a rack.

Freezes well. Makes two 8x5" loaves.

Without walnuts: 227 calories, 0.8 grams fat per 1/10 loaf serving. With walnuts: 302 calories, 8.0 grams fat per 1/10 loaf serving.