Burrito Casserole

1 (16 oz.) can refried beans
1 c. Bisquick
1/4 c. water
1 lb. ground beef
1 c. salsa
1 1/2 c. shredded cheese

Spray 9 inch pie pan with Pam. Mix refried beans, Bisquick and water together. Spread in pie pan and scoop out center to form crust. Brown ground beef - then put in shell. Pour salsa over beef, spreading evenly. Spread cheese over salsa. Bake at 375 degrees for 30 minutes.