Preheat oven to 350° and spray the bottom of a 9x5 inch baking dish with non stick spray.

In a measuring cup, add milk and lemon juice, stir and set aside, let sit for 5 minutes (this is a substitute for buttermilk).

In a large mixing bowl, beat sugar and butter together until smooth.

Beat eggs, bananas, milk, vanilla into sugar mixture until well combined.

Mix on low speed, or stir, flour, baking soda and salt just until combined

Stir in walnuts and chocolate chunks.

Pour into prepared baking dish.

Bake for 1 ¼ hours, or until tooth pick inserted in the center comes out clean.

Remove from baking dish after 10 minutes and place on wire rack to cool.