Banana and/or Apple Oatmeal Muffins

I really like this recipe, it makes a "hearty" muffin and it works with bananas or apples or a combination of both.

Dry ingredients:
1 1/2 cups flour
1 cup rolled oats
2 tsp baking powder
1 tsp baking soda
1/2 tsp salt
1 tsp cinnamon (if you are making them with just apples)

Wet ingredients:
1 egg
1/4 cup olive oil
1/2 cup sugar
1/2 cup milk

1 cup mashed banana or grated apple or a bit of both
1/2 cup chocolate chips (if you are making them with bananas) or
1/2 cup raisins (if you are making them with apples)

Directions:
Preheat oven to 400*.
Combine all dry ingredients and set aside. Beat (with mixer) egg, oil and milk. Then stir in fruit. Add dry ingredients to wet. Stir in chocolate chips or raisins. Spoon into muffin tins (I use paper cups). I also usually sprinkle a bit of brown sugar and cinnamon mixture on the top before baking them. If I am making banana muffins then I just use brown sugar.
Bake for 15- 20 minuets or until a toothpick comes out clean.
Makes about 8-12 muffins depending on how big you make them.