Prepare beans according to cooking guidelines. In a large saucepan combine cooked beans, carrots, celery, onions, jalapeño pepper, garlic, ground red pepper and black pepper with 1 cup of water. Cover and simmer for 2½ hours, stirring occasionally. Add ham; simmer an additional 15 minutes. Cook red and green peppers in oil until tender crisp; stir into rice. Serve beans with rice. Makes 4 servings.