Eric

JMoore's right about the germination rate. Growing bananas from seed is tricky and many seeds are generally required. Also, each species of banana seed tends to have it's own unique traits. For example, Sikkimensis banana seeds do best if warm during daylight hours & fairly cool through the night.
Also, to avoid mouldy conditions, it's usually best to start with distilled water.
Definitely check those Seed threads. They are located near the "Tissue Culturing" section.