CUT cheese into 6 slices; cut each slice crosswise in half. Top 12 crackers with beans, cheese and salsa. Cover with remaining crackers to make 12 sandwiches.
PLACE 6 cracker sandwiches on microwaveable plate. Microwave on HIGH 10 to 15 sec. or until cheese is melted. Repeat.
Variation
Garnish with black olive slices and BREAKSTONE'S Reduced Fat or KNUDSEN Light Sour Cream.