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Add baking soda and baking powder to mashed bananas and stir. The bananas will become frothy.
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Mix sugar and oil in a large bowl.
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Add eggs one at a time and mix well.
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Add 1/2 cup of flour plus 1/2 tsp. salt to the batter and mix well.
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Alternate adding the other two cups of flour with the 1/2 cup of water to the batter. Stir well after each addition.
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Add the bananas and mix well.
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Pour the melted chocolate over the top of the batter and gently fold and swirl it into the batter.
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Grease and flour a large (9×5) bread pan, or 4-5 small bread pans.
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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 knife to see if it comes out clean. If not, bake the bread longer. The top crust should be nice and golden brown.