Cheese Beans

3 cup fully cooked, drained pinto beans

1 cup chopped onion

1/3 cup chopped green pepper

1 large peeled tart apple cut in 1-inch chunks

1 cup grated mild cheese

2 medium tomatoes, chopped

1/4 cup dry white wine or apple juice

1 teaspoon chili powder

1/2 teaspoon dry mustard

1/4 teaspoon salt

1/2 teaspoon black pepper