Banana Chocolate Chip Scones

INGREDIENTS

• 3 1/2 cups flour
• 1/2 cup sugar
• 2 1/2 teaspoons baking powder
• 1 teaspoon baking soda
• 1/4 teaspoon salt
• 12 tablespoons cold butter or 12 tablespoons margarine
• 2/3 cup very ripe banana, mashed
• 1 cup banana yogurt or 1 cup sour cream
• 1 egg yolk
• 3/4 cup miniature chocolate chip
• 3 semi-sweet chocolate baking squares, chopped into small pieces
• 1/4 cup whipping cream
• 1 (8 ounce) package whipped cream cheese