Place the beans, garlic, onion, red pepper, chili powder and cumin in a saucepan. Mix well and simmer for 5 minutes or so until the onions and peppers are cooked and most of the bean liquid has evaporated. Heat the tortillas in the oven or in a skillet as package directs. Remove when warm. Place 3 to 4 tablespoons of rice in the center of each tortilla. Place 2 to 3 tablespoons of the bean mixture evenly on the rice. Roll up each burrito.
Mix together the ingredients for the salsa. Place 2 burritos on each serving plate and spoon the salsa over just before serving.
Per serving - 400 calories, 6 g fat (13% calories from fat), 14 g protein, 73 g carbohydrate, 9 g fiber, 0 mg cholesterol, 427 mg sodium