1 1/4 lb. ground beef
1 c. water
1 1/2 c. grated cheddar cheese
1 pkg. taco seasoning
1 can refried beans
1 pack flour tortillas

Brown ground beef. Stir in seasoning and water. Let simmer. Add beans and 1 cup of cheese. Put about 1/3 cup of meat mixture in center of each flour tortilla, roll and place in glass pan.

Microwave on high for about 10 minutes. Sprinkle remaining cheese and let stand until melted. Serve with salsa, shredded lettuce and sour cream.