Hamburger Rice Casserole

1 lb. hamburger

1 med. onion diced

1 can cream of mushroom soup

1 can cream of chicken soup

1 ¼ C. warm water

¼ tsp. pepper

1 Tbsp. soy sauce

½ C. rice

Brown meat and onion.  Add remaining ingredients.  Bake on 350º covered for 30 min.  Remove cover and bake an additional 30-45 min.

From Karen