Snowy Swirls Meat Loaf Surprise

Ingredients

• 1 1/2 lb. lean ground beef
• 1/2 c. dry bread crumbs
• 2 Tbsp. barbecue sauce
• 1 egg
• 1/2 tsp. salt
• dash of pepper
• 1 c. shredded Mozzarella or Swiss cheese *
• 1/4 c. chopped green pepper
• 2 Tbsp. water