Beezie's Black Bean Soup

1 pound dry black beans

1 1/2 quarts water

1 carrot, chopped

1 stalk celery, chopped

1 large red onion, chopped

6 cloves garlic, crushed

2 green bell peppers, chopped

2 jalapeno pepper, seeded and minced

1/4 cup dry lentils

1 (28 ounce) can peeled and diced

tomatoes

2 tablespoons chili powder

2 teaspoons ground cumin

1/2 teaspoon dried oregano

1/2 teaspoon ground black pepper

3 tablespoons red wine vinegar

1 tablespoon salt

1/2 cup uncooked white rice