In A Skillet Over Medium Heat, Cook Bacon Until Crisp. Drain, Reserving 1 Tablespoon Drippings. Crumble Bacon And Set Aside. In The Drippings, Saute Garlic For 1-2 Minutes. Stir In Beans, Cheese, Picante Sauce, Onions And Cumin; Mix Well. Cook Over Low Heat Until Cheese Is Melted, Stirring Occasionally. Stir In Bacon. Transfer To A Serving Bowl. Garnish With Peppers And Cilantro If Desired. Serve With Vegetables Or Chips.