From the kitchen of Watkins Associate, Mesa, Arizona
Preheat oven to 350 degrees. Grease and flour an 8- x 8-inch pan.
Put oil and cocoa in a glass measuring cup. microwave on high for 1 minute.
Mash bananas if using them or add banana extract here, stir in milk, egg, nutmeg and vanilla.
Add oil-cocoa mixture, stir until blended. Make a hole in dry ingredients. Pour banana and chocolate mixture into hole and stir until well blended. Pour into pan and smooth top.
Bake at 350 degrees for 45 minutes or until toothpick is inserted in center and comes out clean.