Mix all dry ingredients together. Peel & cut up apples into variety sizes & shapes smaller than 1/2 inch, add to dry ingredients. Peel & slice bananas into either 1/2 or thin whole slices and add to dry ingredients, coating well apples & bananas.
Dribble some of the softened margarine into bottom of baking dishes, coating dish well (I use several glass bakeware dishes, including a standard loaf dish, 8x8x2" square dish, 8x6x2" rectangle dish, and two 7x5x1.5" dishes). Then mix the remaining margarine with oil & add to batter. Add the eggs (whole) and mix entire batter well, but do not beat or mash. Fill each dish about 1/2 full (the batter will rise) and
Bake in 350°F oven for 30-45 minutes for smaller loaves (& muffins), up to 55 minutes for larger dishes. Bake until golden brown & toothpick inserted in middle comes out clean. Cool in dishes. For muffins, place baking papers in muffin tins and fill a little more than half full. Remove muffins from tin when taken out of oven, they tend to sweat, soaking the paper.