Combine pinto beans and 2 tablespoons of picante sauce in a saucepan over low heat. Heat until heated through.
In a large skillet cook ground beef with taco seasoning according to the package directions. Cover and keep warm.
To make fry bread – in a bowl combine flour, baking powder, and salt. Stir in milk and mix until the dough comes together and forms a ball.
On a floured surface knead the dough until its smooth. Let rest for 5 minutes.
Heat oil in a deep skillet (oil should be at least 1 ½” deep) to 365 degrees. Break off ¾ cup sized pieces of the dough and shape into round discs that are about ¼” in thickness.
Make a thinner depressed area in the center. Fry the bread (1 piece at a time) in the hot oil until golden brown on both sides. Turn only once. Drain on paper towels.
Top fry bread with beans, taco meat, tomatoes, lettuce, and cheese.