Ingredients

1 pound dried black beans, rinsed7 cups water1 cup diced fully cooked lean ham5 garlic cloves, minced1-1/4 teaspoons pepper1-1/4 teaspoons ground cumin1 teaspoon salt1 bay leaf1/2 teaspoon liquid smoke, optional4 cups chicken broth2 cups uncooked long grain rice1 tablespoon red wine vinegar2 teaspoons olive oil3/4 cup shredded reduced-fat cheddar cheese3/4 cup chopped sweet red pepper2 tablespoons chopped jalapeno peppers

Preparation

Place beans in a Dutch oven or soup kettle; add water to cover by 2 in. Bring to a boil; for 2 minutes. Remove from the heat; cover and let stand for 1 hour. Drain and rinse beans, discarding liquid.

Return to the pan. Add 7 cups water, ham, garlic, pepper, cumin, salt, bay leaf and liquid smoke if desired. Bring to a boil. Reduce heat; cover and simmer for 1-1/2 hours or until beans are tender.

Meanwhile, in a saucepan, bring broth and rice to a boil. Reduce heat; cover and simmer for 20 minutes or until rice is tender.

Just before serving, discard bay leaf from bean mixture; add vinegar and oil. Serve over rice. Sprinkle each serving with 1 tablespoon cheese, 1 tablespoon red pepper and 1 teaspoon jalapenos.