Preheat oven to 350 degrees. Prepare standard 12-cup muffin pan with liners; set aside.
In a small bowl combine the peanut butter and Nutella until smooth and uniform in color; set aside in the refrigerator.
In a medium bowl, sift together flours, baking powder, baking soda, salt, cinnamon, nutmeg and clove.
Toss the chocolate chips in the flour mixture until coated and evenly distributed.
In a large bowl, whisk mashed bananas and yogurt until smooth. Whisk in the egg, sugar, oil and vanilla until well blended.
Add the flour mixture and fold gently until just combined.
Fill each muffin cup about 1/2 full with the batter.
Spoon about 2 teaspoons of the peanut butter and Nutella mixture into the center of each cup.
Evenly divide remaining batter to cover the peanut butter mixture.
Bake 18-22 minutes, or until a toothpick inserted in the center comes out clean.
Let cool for 5 minutes in pan before transferring to wire rack to cool completely.
Notes
If you would like to make a chocolate muffin with a peanut butter center replace the peanut flour with 1/3 cup cocoa powder and replace the Nutella with an additional 4 tbsp peanut butter.