Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1                    onion -- (small) chopped
                        -- butter or margarine
  16      ounces        refried beans
     1/4  pound         cheddar cheese -- shredded (up to 1/2
                        cup)
   1      can           jalapeno chiles -- (4 ounce) drained,
                        -- chopped
                        salt and pepper to taste

Preparation:

Sauté‚ onions in butter; add other ingredients and stir over low heat. Serve warm with corn chips or tostadas.