| 1 | Place beans, whole onion and ham hock in saucepan. |
| 2 | Add water to cover. |
| 3 | Bring to boil, cover and simmer 1 ?hours, or until beans are tender. |
| 4 | Remove onion and ham hock. |
| 5 | Drain beans. |
| 6 | Heat lard until very hot. |
| 7 | Add to beans and mash with potato masher. |
| 8 | Season to taste with salt. |
| 9 | Set aside. |
| 10 | To make nachos, cut tortillas in quarters and fry in deep hot lard until crisp. |
| 11 | Drain and season lightly with salt. |
| 12 | Arrange tortillas in single layer on large ovenproof platter. |
| 13 | Sprinkle half each of jack and cheddar cheeses over tortilla chips. |
| 14 | Sprinkle chiles over cheeses. |
| 15 | Top with dollops of refried beans and gently spread over mixture. |
| 16 | (reserve any extra beans for another use). |
| 17 | Sprinkle with half of remaining cheeses. |
| 18 | Top with tomatoes and cilantro, then with remaining cheeses. |
| 19 | Bake at 375f until cheeses are melted and bubbly, about 15 minutes. |
| 20 | Serve at once. |
