Combine all dry ingredients in a medium size bowl. Combine all wet ingredients in a seperate bowl. Make a well in the center of the dry ingredients. Slowly pour the wet ingredients into the well. Mix just until all ingredients are combined. The batter should have lumps.
Spoon pancake batter into a heated greased skillet ( I use a pat of Promise Light Spread). Sprinkle in 5-6 mini chocolate chips per pancake. Flip pancakes to cook the other side when bubbles begin to appear.