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place ground beef in medium skillet. brown over medium-high heat. drain. remove beef from skillet; set aside. place 2 tablespoons crisco oil in medium skillet. add onion and garlic and red bell pepper. saut? over moderate heat until onion is tender. stir in ground beef, tomatoes, salsa sauce, chili powder, coriander, thyme, salt, cayenne and cumin. cook over medium-low heat, stirring occasionally, 10 to 15 minutes, or until mixture is thickened. remove from heat. stir in refried beans and black beans.
place 1/2 cup beef mixture in center of each tortilla. fold opposite sides of tortilla to center over beef mixture. fold ends toward center; secure with wooden pick. chill 15 minutes.
heat 2 inches crisco oil in deep-fryer or large saucepan to 375°F.
fry 1 or 2 chimichangas at a time 1-1/2 to 2 minutes, or until golden brown. drain on paper towels. sprinkle top of each chimichanga with 2 tablespoons monterey jack cheese. serve immediately on a bed of shredded iceberg lettuce with salsa, guacamole and sour cream, if desired.
*or, your favorite crisco oil