Brown meat in skillet and drain. Add taco seasoning mix, and 1/2 cup water. Stir to mix and let simmer while preparing the rest of ingredients.
Warm beans in the microwave or a small sauce pan.
Cut bread in half horizontally, reserving top of loaf for another use.
Place loaf bottom on a baking sheet. Spread cut side with warm beans and top with an even layer of sour cream.
Pile meat on top of sour cream and top evenly with grated cheese.
Now add tomatoes, green onions and jalapenos if desired. Gently press down on all ingredients to stabilize if necessary.
Bake in a 350 oven for 10-15 minutes until warm throughout and cheese has melted. Cut into pieces or slices to serve. Leftovers are great reheated in foil at 350 for 20 minutes or so the next day.
Notes
don’t toast the bread before filling because it might get too crusty and hard to eat