Place dressing, tomatoes and avocado in a small bowl. Toss to coat vegetables with dressing, and set aside bowl.
Heat tortilla in microwave for about ten seconds. Place on a flat surface. Spread with refried beans. Place cheese slices on top of beans, then top with veggies. Sprinkle with cilantro.
Fold top edge of tortilla over filling, then fold over one side, then the other.
Serve immediately with chips or fresh fruit.
Servings: 1