Blend the flour, sugar, baking soda & salt together in a meduim sized mixing bowl.
Add milk & peanut butter. Mix just until incorporated. Don't over mix...a few lumps are okay. Add chocolate chips at this time if you are using them.
Grease (or cooking spray) a bread loaf pan.
Bake at 325 for up to 1 hour. Check after 40 minutes. Mine took about 45 minutes to be done. If it starts getting too brown tent with a piece of foil.
Let cool completely to let the flavors meld. Best the next day.
Enjoy!