1 can refried beans
1 pkg. taco seasoning
8 oz carton sour cream
8 oz brick cream cheese, softened
1 cup shredded cheese (cheddar, jack, etc.)
sliced black olives (optional)
sliced green onions (optional)
Spread refried beans in bottom of 2 qt round glass baking dish. In a small mixing bowl, combine taco seasoning, sour cream, and cream cheese. Spread on top of beans in baking dish. Top with shredded cheese and optional black olives. Bake at 350 for 20 minutes or until hot and bubbly around edges and all the cheese is melted. Top with green onions, if desired. Serve with tortilla chips.