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Preheat oven to 350.
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Grease pans with cinnamon/sugar mixture.
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Cream margarine and sugar. Add eggs, milk, and vanilla. Mix well.
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Slowly add flour and baking soda.
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Add banana and nuts/chocolate and mix well.
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Divide batter evenly between loaf pans.
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Bake for 35-40 minutes. For muffins it is about 25 minutes.
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NOTES: I've also added the blueberries instead of nuts and chocolate. As with any bread watch it until it is done. Every where is different because of elevation and humidity.