Preheat oven to 350 degrees F. Grease a standard loaf pan with butter or cooking spray.

In a medium sized mixing bowl mash three bananas with a fork until creamy but with some lumps remaining. With a whisk beat in the egg, sugar and melted butter. Blend well until the mixture is creamy.

In a small bowl mix together flours, baking soda, salt and chocolate chips. Add dry ingredients to wet ingredients and stir with a spatula until all flour is combined. The batter will be thick.

Spread the batter into the prepared loaf pan. Slice the extra banana in half lengthwise. Gently place one or two of the banana halves, cut side up on top of the loaf.

Bake for 50 to 55 minutes, or until golden brown and a toothpick inserted in the centre comes out clean. Cool the loaf for 10 minutes in the pan then remove to a rack to cool completely.