1 lb. hamburger
1 medium onion, chopped
1 can cream of chicken soup
1 can cream of mushroom soup
1 soup can water
1/3 c. uncooked long grain rice
1 tsp. black pepper
1 can French fried onion rings

Brown hamburger and onion. Mix remaining ingredients (except onion rings). Put in casserole dish.

Bake at 350°F for 50 minutes. Put onion rings over top and bake 10 more minutes.