Chocolate Chips Banana Muffins with Little Surprise (Cream Cheese)

Ingredients:
190g cake flour
1 tsp baking soda
1 tsp baking powder
1/4 tsp salt
3 large bananas ~ mashed
100g castor sugar
1 egg ~ lightly beaten
75 butter ~ melted
100g chocolate chips
5 pcs of laughing cows cream cheese ~ cut 1/2 or 1/4

Directions:

1. Preheat oven to 180 deg C.  Line muffin paper on the muffin pan.
2. In a large bowl, mix together flour, b. powder, b. soda, salt & chocolate chips.
3. Another bowl, beat together sugar & egg, then add melted butter & mashed bananas.
4. Stir in the flour mixture into the bananas mixture just until moistened ~ do not over mix.
5. Filled 1/3 of the muffins cup with the batter, placed in the cut cream cheese & continue to fill up the muffins to top.
6. Finally top some chocolate chips on to of each muffins (Optional).
7. Bake in preheated oven for 18-20 mins or until toothpick inserted comes out clean.