Preheat oven to 400 °F. Place a large baking sheet in the oven to preheat for about 10 minutes.
Assemble fritter as a sandwich, with ½ tablespoon of peanut butter on each slice of bread, and two apple slices and six banana slices in the middle of each sandwich.
Combine ingredients for the batter, and mix well.
Spray a nonstick baking sheet with cooking spray.
Dip both sides of each fritter in the batter, and place fritters on preheated baking sheet. Bake for 10 minutes on each side, or until both sides are browned. Serve immediately.