Three Layer Black Bean Dip

15-ounce can black beans, well drained
1 cup fat-free sour cream
1-1/4 cups thick salsa
1/2 cup shredded, reduced-fat Monterey Jack Cheese
2 teaspoons minced fresh cilantro

In a food processor or blender whirl the beans and 1/4 cup of the salsa briefly. Spoon into the bottom of a 1-quart serving bowl. In a small bowl, whisk together the sour cream and 1/4 cup of the salsa. Drop by spoonfuls over the beans, spread gently to cover. Spoon the remaining salsa over the sour cream. Sprinkle with cheese and cilantro, if using. Cover and refrigerate for at least two hours and up to 24 hours. Serve with reduced fat crackers.