Preheat oven to 350F, spray a 24 hole mini muffin pan.
In a bowl, using an electric mixer beat together your sugar and egg, add in mashed banana and apple sauce and continue beating 1 minute. Mix in your vanilla.
Stir in your flour, baking powder and soda. Fold in your chocolate chips.
Use half your batter and fill your 24 mini muffin cups.
Place 1 teaspoon of marshmallow fluff on top of the batter for all 24 muffins. Top with remaining batter.
Sprinkle your crushed graham crumbs over the tops of muffins.
Bake in oven for approx 28-30 minutes.
Makes 24 mini muffins at 2 smart points or 1 points plus each.
Nutritional info per muffin (not incl bananas) Calories 51..Fat 0.7g...Saturated fat 0.3g...Carbs 10g...Fiber 0.3g...Sugars 3.7g...Protein 1g