1 lb. ground beef
1 small onion, chopped
1 small green pepper, chopped
1 (16 oz.) can refried beans
1 (8 oz.) jar picante sauce
1 (1 1/4 oz.) envelope taco seasoning mix
1 c. (4 oz.) shredded Cheddar
tortilla chips

Cook first 3 ingredients in large skillet until meat is brown; drain. Add beans, picante sauce and taco seasoning mix. Stir well. Cook over medium heat until blended. Spoon into 12 x 8 x 2 dish. Sprinkle with cheese.

Bake at 400°F for 5 minutes until cheese melts. Serve with tortilla chips.