Preheat oven to 350*F. Spray loaf pan with cooking spray. set aside.
Combine the flours, baking soda, baking powder, flax seed and wheat germ. Set aside.
Cream together sugar and applesauce, add eggs. Mix in bananas. Continue beating and add flour mixture.
Pour into greased loaf pan.
Bake for 45-60 minutes or until knife inserted in middle comes out clean. If the top, is getting too brown, cover with foil for the remainder of baking.
VARIATION: IF you only have 3 bananas add one cup of other fruit - I use blueberries, strawberries or raspberries.
If you only have 2 bananas add two cups of other fruit.