Add baking soda and baking powder to mashed bananas and stir. The bananas will become frothy.
Mix sugar and butter or oil in a separate bowl. (I always use oil and the bread turns out perfectly).
Add eggs one at a time and mix well.
Sift flour and salt together and add alternately with the 1/2 cup of water. (Add a little of the flour, then a little of the water, and repeat until each is used up).
Add the frothy bananas and mix well.
Pour the melted chocolate over the top of the batter and gently fold and swirl it into the batter.
Grease and flour a large (9x5) bread pan, or 4-5 small bread pans.
Pour the batter into pan(s) and bake at 350 degrees for 40-60 minutes for a large loaf, or about 30 minutes for the small loaves. After the minimum amount of time, insert a toothpick to see if it comes out clean. If not, cook for longer. The top crust should be nice and golden brown.