Divide the ingredients and layer refried beans, then Monterey Jack cheese on half of each tortilla. Season with salt and pepper. Fold over the empty half of the tortilla to enclose filling. Place on a baking sheet. Coat tortillas with cooking spray. Broil about 5 inches from the broiler heat for 1 minute. Turn over, coat with spray, broil for an additional minute.

This recipe appeared in the Hilton Head South Carolina Island Packet Newspaper.