CUT cheese into 6 slices; cut each slice crosswise in half. Top each of 12 of the crackers with 1 tsp. beans, 1 piece of cheese and 1 tsp. salsa. Cover with remaining crackers.
PLACE 6 topped crackers on microwaveable plate. Microwave on HIGH 10 to 15 sec. or until cheese is melted. Repeat with remaining crackers.