In 2-quart saucepan, combine milk and chocolate. Cook over medium heat stirring
constantly until chocolate is melted, DO NOT BOIL.
With kitchen aid mixer on low speed or just a mixer, stir milk mix until well
Stir in bread and set aside.
In a large bowl, combine sugar, eggs, butter, cinnamon, bananas and bread. Place
in a large oval or round casserole dish. Set casserole in a baking pan, place in
oven. Fill baking pan with warm water as high as possible.
Bake for 70 to 75 minutes
or until knife comes out clean.
Topping: Combine ingredients.
Serve bread pudding warm, topped with sauce and whipped up cream.