In a large bowl, combine flour, sugar, baking powder, baking soda, and salt.
In a separate bowl, beat together buttermilk, milk, eggs and melted butter.
Keep the two mixtures separate until you are ready to cook.
eat a lightly oiled griddle or frying pan over medium to med-high heat.
Pour the wet mixture into the dry mixture, using a wooden spoon or fork to blend.
Stir until it's just blended together. Do not over stir!
Pour or scoop the batter onto the griddle.
Brown on both sides and serve with whipped cream!!!
If using chips, I like t put a hot pancake on the plate, top with chips and then add another hot pancake repeating this. The heat from the pancakes melts the chips perfectly!