1. Saute top 3 ingredients until translucent. Add 2 tsp of cumin, and picante sauce, and tomatoes. Bring to a boil. Then simmer for 10 minutes. Drain black beans and add to mixture. Layer dish with 1/3 of the bean mixture on bottom. Layer 1/2 of the tortillas, and cheese. Repeat again with bean mixture on top. Bake at 350 degrees for 30 minutes. Sprinkle with cheese and let stand for 10 minutes.