Combine the flours, sugar, and baking powder in a medium bowl. In a large bowl, combine the eggs, skim milk, oil, and applesauce. Slowly add the dry ingredients to the large bowl and mix until blended. Do not overbeat. Mix together the cinnamon and water. Swirl this mixture through the batter. Pour the batter into 12 nonstick muffin cups and bake 350f for 25-30 minutes. Remove muffins from oven and let cool slightly. Remove muffins from pan, split them, and place on dessert plates. Fill muffin centers with bananas and yogurt to serve.