Sauté the onion,pepper, garlic, tomatoes, picante and cumin until lightly cooked. Simmer, uncovered, for 10 minutes. Stir in beans.
In a 13 x 9 x 2 inch pan (I find smaller works OK, too): Spread 1/3 of the bean mixture over the bottom. Top with 1/2 the tortillas, overlap as necessary, and 1/2 the cheese. Add another 1/3 of the bean mixture, then remaining tortillas and bean mixture. Cover and bake at 350° For 30-35 minutes.
Sprinkle with remaining cheese. We pass the chopped fresh tomatoes, lettuce, and ff sour cream at the table for individual toppings.
Servings: 6