Preheat oven to 350 degrees F (175 degrees C).

In a large bowl combine the beef, pork, soup mix, eggs, bread crumbs, pepper and water. Stir in 1/2 cup of the cheese. Mix well and spread half of mixture into a 9x5 inch loaf pan. Spread remaining 1 1/2 cups cheese over meat loaf mixture. Top with remaining half of meat loaf mixture.

Bake in preheated oven for 60 minutes. Let cool 10 to 15 minutes before serving.