In a mixing bowl, stir together the flour, sugar, baking powder, salt, and baking soda.
In a separate mixing bowl combine the milk, vinegar, oil and egg.
Fold together the dry ingredients and wet ingredients, until just combined.
Turn the stove top onto medium heat, and add a dollop of oil to a small skillet. Add a dollop of pancake batter to the skillet, drop a few white chocolate chips and semi-sweet chocolate chips to the dollop of pancake batter. Drop a little more pancake batter onto the top of the chocolate chips, so they're just covered.
Let the pancake cook for about two minutes, until bubbles start to appear on the top of the pancake. Flip the pancake over, and let it cook for about a minute on the other side.
Remove the pancake from the heat. Repeat the process until you've cooked however many pancakes you want to make. Top the pancakes with the Peanut Butter Sauce