3/4 cup all-purpose flour
1 cup shredded Cheddar cheese (4 ounces)
1 1/2 teaspoons baking powder
1/2 teaspoon salt
1/3 cup milk
1 egg -- slightly beaten
1 (15 1/2 ounce) can garbanzo beans -- drained
1 (15 ounce) can kidney beans -- drained
1 (8 ounce) can tomato sauce
1/2 cup chopped green bell pepper (about 1 small)
1/4 cup chopped onion (about 1 small)
2 teaspoons chili powder
2 teaspoons fresh oregano
OR
1/2 teaspoon dried oregano leaves
1/4 teaspoon garlic powder


Heat oven to 375º. Spray pie plate, 10 × 1 1/2 inches, with nonstick
cooking spray. Mix flour, 1/2 cup of the cheese, the baking powder and
salt in medium bowl. Stir in milk and egg until blended. Spread over
bottom and up sides of pie plate.

Mix remaining ingredients except 1/2 cup cheese. Spoon into pie plate;
sprinkle with remaining cheese. Bake uncovered about 25 minutes or until
edge is puffy and light brown. Let stand 10 minutes before cutting.