In a large skillet, combine tomatoes, onions, green pepper, picante sauce, garlic and cumin. Bring to a boil and reduce heat. Simmer uncovered for 10 minutes. Add black beans.
In a greased 9 x 13-inch baking dish, spread 1/3 of the bean mixture over the bottom.
Top with 6 tortillas, overlapping if necessary.
Top with another 1/3 of the bean mixture, and half of the cheese.  Add another layer of 6 tortillas; overlapping, and remaining sauce.  Cover with foil. 
Bake at 350 degrees for 30 minutes. Remove foil and top with remaining cheese. Bake another 5 minutes until cheese melts.
Let stand 10 minutes before cutting.
Serve with condiments of your choice.