Taco Casserole

• 1 lb. Ground beef
• 1 (15 oz) pkg. Cornbread mix
• 1 (20 oz) can Refried Beans
• 1 pkg Taco Seasoning
• 2 T.Water
• 1 c. Shredded  Cheddar Cheese

Preheat oven to 425 degrees. Brown ground beef until no longer pink, and then drain.  Mix the cornbread batter according to the directions on the package, and then set aside.  Mix refried beans, taco seasoning and water together in a medium bowl, and then spread beans on the bottom of a 9 x 13 in baking dish. Add a layer of the ground beef and top with cheese.  Pour cornbread batter over the cheese and bake 10 to 15 minutes, or until cornbread is done and a toothpick inserted into the center comes out clean.  Garnish each serving with toppings (lettuce, tomatoes, onion, sour cream etc), or serve plain.