Preheat the oven to 350 degrees. This recipe can make 2 large loaves or three dozen muffins. Cream all the wet ingredients and add the dry ingredients. Do not over mix or the bread or muffins will be tough. Stir in the chocolate chips. Grease the muffin tins or bread pans. Bake the bread for about 50-60 minutes. I baked the muffins for 25-30 minutes until a toothpick came out clean. Frost if desired with cream cheese frosting.