Heat oven to 350
Grease and flour two loaf pans
Stir together flour, sugar, salt, baking powder in large bowl
Add milk, oil, rum, egg and banana.
Stir until well blended
Spread 1 1/4 cups batter in the bottom of each pan
Top each batter with a 1/2 cup of toffee bits
Gently spread about 1 cup remaining batter in each pan
Sprinkle remaining bits over batter
Bake 30-35 minutes or until toothpick comes out clean