1. Preheat oven to 350 degrees F.
2. Spoon flours into dry measuring cups and level with a knife. Whisk together with the next 4 ingredients (through cinnamon) in a large bowl.
3. Combine sugar, egg whites, oil, milk, lemon juice, vanilla extract, and eggs in a large bowl and beat with a hand mixer at a high speed until blended.
4. Add water and mashed bananas, beating at a low speed until blended together.
5. Add flour mixture to banana mixture and beat at a low speed just until combined (don’t over mix.)
6. Coat 2 loaf pans (9 X 5 inch each) or muffin tins (24 muffins) with cooking spray.
7. Spoon batter into pans and fill half-way. Sprinkle pecans evenly over batter.
8. Bake breads (in loaf pans) for 1 hour or until a wooden pick inserted in center comes out clean, or bake muffins (in muffin tins) for 30 minutes and check as above.
9. Cool in pans for 10 minutes and then remove from pans and cool on wire rack.

Source: BONNIE TAUB-DIX,MA,RD,CDN