For this recipe you will NEED:
4 flour tortillas
1 can refried beans
1 cup of shredded monterey jack cheese
salsa for topping.
Place 1 tortilla in a skillet and cover it with 1/4 of the refried beans and 1/4 of the cheese. Heat it over a medium heat until the cheese has melted. Fold the tortilla over.
Repeat this with the other 3 tortillas.
Serve hot with the salsa.