16      ounce can     refried beans
   1      teaspoon      chili powder
   1      teaspoon      ground cumin
   2      tablespoons   vegetable oil
   1      pound         turkey breast, cooked -- chopped
     1/2  cup           onion -- diced
   4      ounces        green chili pepper -- diced
   2      tablespoons   fresh cilantro -- chopped
   1      teaspoon      salt
     1/2  teaspoon      pepper
   1      cup           tomatoes -- finely chopped
  10 1/2  ounce bag     nacho chips
   2      cups          shredded monterey jack cheese
Combine beans, chili powder and cumin, heating through.
Heat oil in a skillet.  Add turkey, onion, chilies, cilantro, salt and
pepper. Cook, stirring occassionally, until onion is tender.  Remove from
heat and stir in tomato.
Preheat oven to 425.  Spread about 1 teaspoon of bean mixture over each chip
.  Place in a single layer ona  greased baking sheet.  Spoon about 1
tablesppon of turkey mixture on top of each chip.  
Sprinkle cheese evenly over turkey. Bake 5 minutes, or till cheese is melted
.  Serve immediately