Diabetic, Low-Fat Texas Bean Dip

Weight Watchers--1 Point per serving

15 1/2 ounces  black beans, canned -- drained
15 1/2 ounces  red beans -- canned, drained
1 teaspoon  canola oil
2 cloves garlic -- minced
1/2 cup onion -- chopped
1/2 cup tomato -- diced
1/2 cup mild picante sauce
1/2 teaspoon ground cumin
           OR
1/2 teaspoon chili powder
1 tablespoon jalapeno pepper -- diced
1/4 cup reduced fat Monterey Jack cheese -- coarsely grated
1 tablespoon fresh lime juice

Place beans in a bowl; partially mash with a potato masher or wooden spoon until chunky.  Heat oil in a frying pan. 
Add onion and garlic; sauté for 4 minutes over medium heat.  Add beans, tomato, picante sauce, cumin, chili powder and pepper.
Cook for 5 minutes or until thick, stirring constantly.  Remove from heat and stir in the cheese and lime juice. 
Stir until well blended and cheese has melted.  Serve warm with tortilla chips.