1. Preheat oven to 350 degrees.
2. In a large bowl, combine flour, sugar, cocoa, baking soda, salt and baking powder.
3. In a small bowl, blend bananas, oil and egg. Stir this mixture into dry ingredients just until moistened. Fold in peanut butter chips.
4. In another small bowl, mix topping ingredients.
5. Fill greased or paper lined muffin cups 3/4 full and top with peanut butter crumb topping.
6. Bake in preheated oven 20-25 minutes until muffins test done.
7. Peanut butter crumb topping. Mix ingredients in small bowl, thoroughly combine all ingredients.
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