Preheat oven to 450. Pour beans into strainer, rinse and drain. Heat olive oil in deep pan, saute onions (and jalapeno, if using) about 2 minutes. Add cumin and chili powder, saute 2-3 minutes more. Add tomatoes with juice, chopped chilies, and beans to onion mixture. Simmer slowly, about 20 minutes, or til thickened slightly. Use a spoon to make indentations crack egg into each "pocket." Place pan in oven (wrap handle with foil if not ovenproof) for about 5 minutes (until eggs are starting to look set but are still fairly wet looking). Remove pan from oven, change setting to Broil Sprinkle cheese over top, broil about 2 minutes, til cheese is melted and yolks are still soft. Serve hot, with tortillas and optional toppings as desired.