Frijoles Con Queso Casserole

Ingredients

• 4 cups pinto beans heated
• 4 ounces cream cheese non-fat
• 1 cup yogurt, non-fat
• 1/2 cup monterey jack cheese grated, packed
• 1 tablespoon water
• 1 1/2 cups onions chopped
• 3 cloves garlic large, minced
• 3/4 teaspoon salt
• 1/2 teaspoon cumin
• 1/2 teaspoon basil
• 1 x black pepper
• 1 x cayenne pepper
• 1 medium zucchini cut in chunks
• 2 medium tomatoes chopped
• 1 dash oregano basil, salt and pepper
• 1 cup cornmeal yellow
• 1/2 cup flour, all-purpose
• 1/2 teaspoon salt
• 1 teaspoon baking powder
• 1/2 cup yogurt, non-fat
• 1 large liquid egg substitute liquid