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.