Preheat oven to 350.
Prep loaf pan/muffin pan(spray and lightly coat with AP flour. 2- 9x5 loaf pans or muffin pan
Mash the bananas in a bowl or plate. If not completely ripe place bananas in brown bag and place on a cookie sheet and cook at 400 degrees for 5-10 minutes checking often.
Cream together sugar and butter, then add eggs one at a time.
In a separate bowl, combine all dry ingredients, add alternately with bananas & milk.
Stir in walnuts if you want them.
Pour in pan and bake for about 45 minutes (or until a toothpick comes out dry).