16 oz. can refried beans
4 oz. shredded Cheddar cheese
4 oz. shredded Monterey Jack
1/2 red bell pepper, cut into strips
Jalapeno peppers
Tortilla chips

Heat oven to 350 degrees. Spread beans in 9-10 inch pan. Sprinkle with cheeses. Top with peppers. Bake at 350 degrees for 15 minutes or until cheese melts. Serve with tortilla chips.