Ingredients

• 1 lb ground beef
• 1 cup chopped onion
• 1/2 cup chopped green pepper
• 1 (16 ounce) can pinto beans or 1 (16 ounce) can kidney beans, rinsed and drained
• 1 (15 ounce) can black beans, rinsed and drained
• 1/3 cup water
• 1 teaspoon chili powder
• 1/2 teaspoon ground cumin
• 1/2 teaspoon salt
• 1/4 teaspoon pepper
• 1 cup shredded sharp cheddar cheese (4 oz)
• 1 cup shredded monterey jack cheese (4 oz)
• 6 flour tortillas (6 or 7-inch)
• 1 (10 ounce) can diced tomatoes with mild green chilies, undrained