Combine beans and chili powder in small saucepan. Cook 5 minutes over medium heat or until heated through, stirring occasionally.

Spray large nonstick skillet with cooking spray. Heat over medium heat until hot. Sprinkle tortillas with water; place in skillet, one at a time. Cook 20 to 30 seconds or until hot and pliable, turning once.

Spread bean mixture evenly over tortillas; layer with lettuce, tomato, onion, yogurt and peppers. Garnish with cilantro, sliced tomatoes and peppers, if desired. Serve immediately.

This recipe yields 4 servings.

Exchanges Per Serving: 1 1/2 Starch, 1 1/2 Vegetable.

Nutrition Facts: Calories 146; Calories from fat 9%; Total Fat 2g; Saturated Fat 1g; Protein 9g; Carbohydrates 29g; Cholesterol 1mg; Sodium 466mg; Dietary Fiber 5g.

Caution: Jalape