In a bowl combine the both cheese's with the flour, set aside
In a large skillet brown the hamburger, jalapeno and onion until completely cooked - then drain any extra fat
Add taco seasonings then stir in milk, black beans and 3/4 cup of cilantro - continue to cook until just beginning to boil
Reduce heat to low and slowly add in the cheese's one small handful at a time, stirring until melted.
To Serve Immediately
Sprinkle with remaining cilantro and serve with your favorite tortilla chips
Oven Instructions
Make sure your skillet is oven safe or put dip in oven safe dish - when ready to serve warm through in a 350° degree oven, sprinkle with remaining cilantro and serve
Crock pot
When finished making on the stove top transfer to your crockpot and leave on low to keep warm, stirring occasionally so that it doesn't burn on the bottom.
Nutrition values are estimates, for exact values consult a nutritionist.