In large skillet, fry bacon with diced ham. When done, add Pico de Gallo and saute (approximately one minute). Add beans and all ingredients to stock pot.
Simmer 10 to 15 minutes. Add small amount of water as needed. Add salt to taste. Sprinkle with fresh chopped cilantro.
Serve individual servings in a bowl with a dab (spoonful) of sour cream, and fresh cilantro sprinkled on top.