The Fruit has to be cooked into the pancake as far as I'm concerned, for it to be banana, or my favorite blackberries. My wife and I are always trying to out do each other with pancakes and waffles.
Some of the hits have been:
Banana and walnuts
Blackberry or Marionberry
Pear with Vanilla
Toasted Coconut with chocolate chips
and waffles with bacon cooked right in.
mmmmm....
