16 ounce can refried beans

1 teaspoon chili powder

1 teaspoon ground cumin

2 tablespoons vegetable oil

1 pound turkey breast, cooked -- chopped

1/2 cup onion -- diced

4 ounces green chili pepper -- diced

2 tablespoons fresh cilantro -- chopped

1 teaspoon salt

1/2 teaspoon pepper

1 cup tomatoes -- finely chopped

10 1/2 ounce bag nacho chips

2 cups shredded monterey jack cheese

Combine beans, chili powder and cumin, heating through.

Heat oil in a skillet. Add turkey, onion, chilies, cilantro, salt and pepper. Cook, stirring occassionally, until onion is tender. Remove from heat and stir in tomato.

Preheat oven to 425. Spread about 1 teaspoon of bean mixture over each chip . Place in a single layer ona greased baking sheet. Spoon about 1 tablesppon of turkey mixture on top of each chip.

Sprinkle cheese evenly over turkey. Bake 5 minutes, or till cheese is melted . Serve immediately