1 med. onion, thinly sliced
2 tbsp. butter, butter or bacon drippings
1 clove garlic, minced
1 1/2 to 2 tbsp. chili powder
2 c. canned tomatoes, mashed
3 c. cooked pinto beans or red kidney beans
Salt and pepper
1 1/2 c. grated or diced Cheddar cheese
3 c. cooked rice

Cook onion in butter until soft but not brown. Stir in garlic and chili powder. Add tomatoes, beans and seasoning to taste. Simmer 10 minutes to blend flavors. Add cheese and continue heating until cheese melts. Stir constantly. Spoon mixture into soup bowls. Top with mound of rice (about 1/2 cup).