Banana Chocolate Chip Muffins

1/4 cup sour cream
1 teaspoon soda
1/2 cup butter -- softened
3/4 cup sugar
1 egg
1 1/2 cup flour
1/4 cup wheat germ (optional) I didn't use any!
1/2 teaspoon salt
1 cup mashed bananas
1 cup chocolate chips
1 teaspoon vanilla

Mix sour cream and soda and set aside. Mix the rest of the ingredients together, then add sour cream mixture. Don't over mix. Bake at 350 for l8 minutes.