1 can black bean, drained
1 can white kernel corn, drained
1 green bell pepper, diced
1 red bell pepper, diced
1 large tomato, deseeded & diced
1 small onion, diced
cilantro, to taste, chopped
1 avocado (optional), diced
8 oz. Mexican Cheese (Jalapeno Havarti, Pepper Jack), shredded
tortilla chips

Combine all ingredients, except avocado, in saucepan. Heat over medium heat until cheese is melted; stir occasionally. Add avocado. Serve immediately with tortilla chips.

Note: Try this recipe cold without the cheese.