1 pound ground beef 1 cup chopped onion 1/2 cup chopped green bell pepper 16 ounces kidney beans, rinsed and drained 15 ounces canned black or pinto beans -- rinsed and drained 10 ounces diced tomatoes and green chiles -- undrained 1/3 cup water 1 teaspoon chili powder 1/2 teaspoon cumin 1/2 teaspoon salt 1/4 teaspoon black pepper 1 cup shredded cheddar cheese 1 cup shredded monterey jack cheese 6 flour tortillas
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