1. In a large bowl, combine tomatoes, onion, jalapeños & half of the cilantro. Stir in juice of one lime. Set aside.
2. In a medium bowl, mash together avocadoes, remaining cilantro & lime juice.
3. In a square casserole dish, add beans & water. Mash with a fork to make slightly chunky layer of beans. Sprinkle cheese over beans. Evenly spread avocado mixture. Layer yogurt on top. Spoon tomato mixture over top.
4. Serve immediately with multi-grain tortilla chips.