In a skillet, cook beef and onion until meat is no longer pink; drain. Add the soups, potatoes, carrots, salt and pepper; mix well. Divide between two ungreased 9-in. pie plates.
On a floured surface, roll pastry to fit the top of each pie; place over filling. Seal and flute edges; cut slits in top.
Bake at 350° for 45-50 minutes or until golden brown. Let stand on a wire rack for 15 minutes before serving.