Peanut Butter Banana Muffins

1 cup old-fashioned oats 1 cup whole wheat flour 1/2 cup all-purpose flour 1/2 cup sugar 1 teaspoon baking powder 1/2 teaspoon baking soda 1/2 teaspoon salt 1 large egg, room temperature 3/4 cup fat-free milk 3/4 cup mashed ripe bananas 1/2 cup creamy peanut butter 1/3 cup unsweetened applesauce 1/2 teaspoon vanilla extract 3/4 cup miniature semisweet chocolate chips topping: 1/3 cup packed brown sugar 1/3 cup dry roasted peanuts, coarsely chopped 1/3 cup miniature semisweet chocolate chips

In a large bowl, combine the first 7 ingredients. In a small bowl, combine the egg, milk, bananas, peanut butter, applesauce and vanilla. Stir into dry ingredients just until moistened. Fold in chocolate chips. Fill greased or paper-lined miniature muffin cups three-fourths full. For topping, in a small bowl, combine the brown sugar, peanuts and chocolate chips. Sprinkle over muffins. Bake at 350° for 10-13 minutes or until a toothpick inserted in the center comes out clean. Cool for 5 minutes before removing from pans to wire racks. Serve warm.