Spicy Bean and Rice Skillet

1. Heat oil in a skillet over medium heat. Add garlic and onion, cook until tender.
   
2. Add peppers and cook another 5 minutes.
   
3. Drain and rinse black beans and add to skillet along with undrained tomatoes, corn kernels, uncooked rice and water.
   
4. Sprinkle oregano and cayenne pepper over top and stir to mix.
   
5. Cover and reduce heat to low. Simmer for 40 minutes or until rice has absorbed all the moisture.
   
6. Grate cheeses and sprinkle over the top. Turn heat back to medium and cook until cheese has melted.